Terms of Service
Last Updated: 11/20/2025
Welcome to 123 Life Insurance. By accessing or using our website, you agree to the following Terms of Service. Please read them carefully. If you do not agree with these terms, please do not use this website.
Acceptance of Terms
By using this website, you confirm that you are at least 18 years old and legally able to enter into agreements. Your use of the site constitutes your acceptance of these Terms of Service and our Privacy Policy.
Website Purpose
123 Life Insurance provides general life insurance information, educational content, appointment scheduling, and the ability to request quotes. This website does not provide tax, legal, or financial advice. All content is for informational purposes only.
No Offer or Solicitation
Nothing on this website constitutes an offer to sell or a solicitation to buy any insurance product. Final insurance recommendations require a one-on-one consultation and proper licensing in the client’s state.
Quotes, Eligibility & Product Information
Any insurance quotes, estimates, or product descriptions provided:
- Are for informational purposes only
- Do not guarantee coverage, premiums, or approval
- May vary depending on underwriting, carrier rules, age, health conditions, and state regulations
Final eligibility and pricing are determined by the insurance carrier.
User Responsibilities
Provide Accurate
Information
You agree to provide accurate and truthful information when using our services.
Avoid Unlawful Activity
Do not use the site for any unlawful activity or purpose.
Respect Site
Functionality
Do not attempt to disrupt or compromise website functionality.
Content Usage
Do not copy, redistribute, or misuse website content without permission.
Responsible
Communication
Use communication tools (email, SMS, forms) responsibly, and do not misuse contact forms or scheduling systems.
Email & SMS Communication
Email Consent
By providing your email, you consent to receiving appointment reminders, quote details, educational content, and important updates. You may unsubscribe at any time.
SMS Opt-in/Opt-out
By opting into our SMS service, you agree to receive text messages. Message frequency may vary; rates may apply. Text “STOP” to opt out. Re-subscribe by signing up again.
Additional SMS Terms information
You can cancel the SMS service at any time. Just text "STOP" to 866-971-6221. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at 866-971-6221.
Carriers are not liable for delayed or undelivered messages
As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive no more than 3 appointment reminders. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
Third-Party Services & Links
Our website may link to third-party services, such as insurance carriers, scheduling tools (e.g., Calendly), email and SMS providers, YouTube or social media platforms. We are not responsible for the content, policies, or performance of these third parties. Your interactions with them are governed by their own terms.
Intellectual Property
All website content - including text, graphics, videos, logos, and design - is the property of 123 Life Insurance, unless otherwise stated. You may not copy, reproduce, modify, republish, or distribute any content without written permission.
Disclaimer of Warranties
This website is provided “as is” without warranties of any kind. We do not guarantee:
- Accuracy of content
- Availability or performance of the website
- That the website will be error-free or uninterrupted
You use the site at your own risk.
Limitation of Liability
To the maximum extent allowed by law, 123 Life Insurance is not liable for:
- Any damages resulting from your use of the website
- Losses resulting from reliance on website content
- Errors, delays, or interruptions in the website
- Any interactions with third-party websites or services
Your sole remedy is to discontinue use of the website.
Indemnification
You agree to indemnify and hold harmless 123 Life Insurance, its owner(s), employees, agents, and affiliates from any claims, losses, or liabilities arising from your use of the website or violation of these terms.
Changes to Terms
We may modify or update these Terms of Service at any time. Changes will be posted on this page with the updated date. Continued use of the website means you accept the updated terms.
Governing Law
These Terms of Service are governed by the laws of the State of Florida, without regard to conflict-of-law principles.
