Terms Of Use

Effective Date: August 1, 2025

Welcome to Life Agents Direct (“Company,” “we,” “our,” or “us”). By using our website, services, or communicating with us via phone, SMS, or email, you agree to the following Terms:

1. Services Provided

Life Agents Direct is a licensed life insurance agency. We provide information about insurance products and connect clients with insurance carriers and licensed agents.

2. Use of Our Services

You must be at least 18 years old to use our services.

You agree to provide accurate, current, and complete information when interacting with us.

You agree not to misuse our services or use them for unlawful purposes.

3. SMS/Text Messaging

By providing your phone number, you consent to receive SMS messages from Life Agents Direct regarding your inquiries, policy information, and related updates.

Message frequency may vary. Standard message and data rates may apply.

You may opt out at any time by replying STOP. For assistance, reply HELP.

Consent is not a condition of purchase.

4. No Guarantee of Coverage

Completing a quote request or inquiry does not guarantee coverage. Final eligibility and pricing are determined by the insurance carrier.

5. Third-Party Relationships

Life Agents Direct partners with Fortis Agency, Ethos, E4 Insurance Services and other insurance carriers to fulfill services. Information you provide may be shared with these partners as needed to process your requests.

6. Intellectual Property

All content, trademarks, service marks, trade names, logos, and materials on this site are the property of Life Agents Direct or its partners. You may not copy, reproduce, or distribute any content without our prior written consent.

7. Disclaimer of Warranties

Life Agents Direct provides services “as is” and makes no warranties, express or implied, regarding accuracy, reliability, or fitness for a particular purpose. We do not guarantee uninterrupted or error-free service.

8. Limitation of Liability

To the fullest extent permitted by law, Life Agents Direct shall not be liable for any direct, indirect, incidental, or consequential damages arising from use of our services.

9. Indemnification

You agree to indemnify and hold harmless Life Agents Direct, its officers, employees, agents, partners, and affiliates from any claims, damages, liabilities, costs, or expenses arising from your use of our services or violation of these Terms.

10. Electronic Communications Consent

By using our services, you consent to receive communications from us electronically, including via SMS, email, and phone calls. You agree that all agreements, notices, and communications provided electronically satisfy any legal requirements for written communications.

11. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, United States of America, without regard to conflict of law principles. Any disputes shall be resolved exclusively in the state or federal courts located in Texas.

12. Changes to Terms

We may update these Terms at any time. Updates will be posted on our website with a new effective date. Your continued use of our services after changes are posted constitutes your acceptance of the updated Terms.