Legal

Terms & Conditions

Last updated: March 2026

1. Acceptance of Terms

By accessing and using the Set 4 Life Agency LLC website ("Website"), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use this Website. These terms apply to all visitors, users, and others who access or use the Website.

2. Services Description

Set 4 Life Agency LLC provides information about insurance products and services, including but not limited to Final Expense Insurance, Indexed Universal Life (IUL), Mortgage Protection, and Fixed Indexed Annuities. The information provided on this Website is for general informational purposes only and does not constitute professional financial, legal, or insurance advice.

3. No Guarantee of Coverage

The information presented on this Website does not guarantee insurance coverage or specific policy terms. All insurance products are subject to underwriting approval, and actual coverage, terms, premiums, and conditions may vary based on individual circumstances, carrier guidelines, and state regulations. A licensed insurance professional will provide specific details regarding any policy.

4. Licensing & Compliance

Set 4 Life Agency LLC and its representatives are licensed insurance professionals operating in compliance with applicable state and federal regulations. Insurance products are offered through licensed carriers and are subject to the terms, conditions, and exclusions of each individual policy. Not all products are available in all states.

5. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, videos, and software, is the property of Set 4 Life Agency LLC or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without prior written consent.

6. User Conduct

You agree not to use the Website for any unlawful purpose or in any way that could damage, disable, overburden, or impair the Website. You agree not to attempt to gain unauthorized access to any portion of the Website, other accounts, computer systems, or networks connected to the Website.

7. Third-Party Links

This Website may contain links to third-party websites or services that are not owned or controlled by Set 4 Life Agency LLC. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Set 4 Life Agency LLC shall not be responsible or liable for any damage or loss caused by the use of any such content or services.

8. Limitation of Liability

In no event shall Set 4 Life Agency LLC, its officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Website or the information provided herein. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis.

9. Disclaimer of Warranties

The Website is provided on an "as is" and "as available" basis. Set 4 Life Agency LLC makes no warranties, expressed or implied, regarding the Website's operation or the information, content, or materials included on the Website. To the full extent permissible by applicable law, Set 4 Life Agency LLC disclaims all warranties, expressed or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.

10. Changes to Terms

Set 4 Life Agency LLC reserves the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after any changes constitutes your acceptance of the new Terms and Conditions.

11. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

12. Contact Information

If you have any questions about these Terms and Conditions, please contact us at [email protected].