Terms of Service
Effective Date: November 30, 2025
1. Acceptance of Terms
By accessing or using the Quality Life Legacy, LLC website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.
2. Description of Services
Quality Life Legacy, LLC provides insurance brokerage services, including but not limited to Final Expense Insurance, Mortgage Protection, Whole Life Insurance, Index Universal Life Insurance, and Annuities. We act as intermediaries between clients and insurance carriers.
3. Eligibility
You must be at least 18 years old and legally capable of entering into binding contracts to use our services. By using our services, you represent and warrant that you meet these requirements.
4. User Responsibilities
When using our services, you agree to:
- Provide accurate, current, and complete information
- Maintain the confidentiality of any account credentials
- Notify us immediately of any unauthorized use of your account
- Comply with all applicable laws and regulations
- Not use our services for any unlawful or fraudulent purpose
- Not interfere with or disrupt our website or services
5. Insurance Applications and Policies
All insurance applications are subject to approval by the respective insurance carriers. We do not guarantee approval or specific terms. Policy terms, conditions, and pricing are determined by the insurance carriers, not by Quality Life Legacy, LLC.
You are responsible for reviewing all policy documents and understanding the terms and conditions before accepting coverage.
6. Fees and Payments
We receive commissions from insurance carriers for policies sold. There are no direct fees charged to clients for our brokerage services unless otherwise agreed in writing. Premium payments are made directly to insurance carriers according to policy terms.
7. Communications
By providing your contact information, you consent to receive communications from us via:
- Phone calls
- SMS text messages (if you have opted in)
You may opt out of marketing communications at any time. For SMS opt-out instructions, see our SMS Terms & Conditions.
8. Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the property of Quality Life Legacy, LLC or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
9. Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure. We are not responsible for the actions or policies of insurance carriers.
10. Limitation of Liability
To the fullest extent permitted by law, Quality Life Legacy, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services. Our total liability shall not exceed the amount of commissions received from your policy.
11. Indemnification
You agree to indemnify and hold harmless Quality Life Legacy, LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of our services or violation of these Terms.
12. Privacy
Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices regarding your personal information.
13. Modifications to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts located in Brooklyn, New York.
15. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
16. Contact Information
If you have questions about these Terms of Service, please contact us: