Draft — not yet reviewed. These terms were prepared as a starting point and have not been reviewed by an attorney. Fill in the highlighted values and have counsel check them before this page goes live, then delete this banner.
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Terms of Use

What this site is, what it isn't, and the ground rules for using it.

Effective [EFFECTIVE DATE] · Last updated [DATE]

01Agreement

By using this website you agree to these terms. If you don't agree with them, please don't use the site. These terms are between you and [LEGAL ENTITY NAME], doing business as Liberty Life Partners.

02What this site is — and isn't

This site is informational. It is not an offer of insurance, not a quote, and not a contract. No coverage is applied for, bound, or put in force through this website. Coverage exists only when an insurance carrier approves an application and issues a policy, and the policy document controls.

Liberty Life Partners is an independent insurance agency. We are not an insurance company. We are compensated by commission paid by the carrier when a policy is issued.

Anything on this site describing coverage, benefits, timelines or approval is a general description. Actual products, features, riders, pricing, availability and underwriting decisions are set by the carrier and vary by your state, age and health. Not everyone qualifies for every product.

03Not professional advice

Nothing on this site is legal, tax, accounting, investment or financial planning advice. Life insurance has tax and estate consequences that depend on your circumstances. Talk to your own attorney or tax professional before making decisions that turn on those questions.

04Licensing

Liberty Life Partners is licensed to transact life insurance in [LIST OF LICENSED STATES]. License numbers: [LICENSE NUMBER(S) BY STATE]. We do not solicit, offer or sell insurance in states where we are not licensed and appointed. If you contact us from a state where we aren't licensed, we'll tell you.

Several states require the producer's name and license number to appear on the agency's website or in its advertising. Confirm your state's specific advertising rules and add whatever is required here.

05Contacting us through the site

When you submit the form, you are asking us to contact you and agreeing that we may do so by phone, text or email. See our Privacy Policy for how that information is handled and how to stop the contact.

Please don't send sensitive personal information — Social Security numbers, financial account numbers, or detailed medical history — through the website form or by ordinary email. Neither is a secure channel. We'll tell you how to provide that information safely when it's actually needed.

06Accuracy and availability

We try to keep this site accurate and current, but we don't warrant that it is. Carrier products and rates change, and pages here may lag behind. The site is provided "as is" and "as available," without warranties of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement. We don't promise the site will be uninterrupted or error-free.

07Third-party names and links

Carrier names and trademarks — including Americo, Mutual of Omaha, Foresters Financial and Corebridge Financial — belong to their respective owners and are used here only to identify the products we are appointed to sell. Their use does not imply that those companies endorse this site.

If we link to another site, we don't control it and aren't responsible for its content or its privacy practices.

08Our content

The text, design, logo and other material on this site are owned by us or our licensors and protected by copyright and trademark law. You may read, print and share pages for your own personal, non-commercial use. You may not copy, republish or use our content or branding for your own commercial purposes without written permission.

09Using the site properly

You agree not to:

10Limitation of liability

To the fullest extent the law allows, Liberty Life Partners and its owners, employees and contractors are not liable for indirect, incidental, consequential, special or punitive damages arising out of your use of this site, including lost profits or lost data, even if we were told such damages were possible. Our total liability for any claim relating to this site is limited to [LIABILITY CAP — discuss with counsel].

Some states don't allow certain limitations of liability, so parts of this section may not apply to you. Nothing here limits any liability that cannot lawfully be limited.

11Governing law

These terms are governed by the laws of the State of [GOVERNING STATE — likely Florida], without regard to its conflict-of-laws rules. Any dispute relating to this site will be brought in the state or federal courts located in [COUNTY, STATE], and you agree to that venue.

Ask counsel whether you want an arbitration clause and a class-action waiver here. Many agencies include them; they carry trade-offs, and some states restrict them. This draft deliberately leaves the choice to you rather than making it for you.

12Changes

We may update these terms. The "last updated" date above shows when. If you keep using the site after a change, you're accepting the updated terms.

13Contact

[CONTACT EMAIL]
[PHONE NUMBER]
[BUSINESS MAILING ADDRESS]