Terms & Conditions
Legacy Family Life LLC Effective Date: May 5, 2026 Last Updated: May 5, 2026
1. Agreement to These Terms
These Terms & Conditions (these "Terms") govern your access to and use of the websites operated by Legacy Family Life LLC ("Legacy," "Legacy Family Life," "we," "us," or "our"), including legacyfamilylife.com, compare.legacyfamilylife.com, careers.legacyfamilylife.com, and any related subdomains (collectively, the "Sites"), as well as any communications you receive from us by phone, text message, email, or otherwise (collectively with the Sites, the "Services").
By accessing or using the Services, by submitting a quote request, by checking the consent checkbox on any Legacy form, by communicating with a Legacy agent, or by otherwise interacting with Legacy, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, do not use the Services.
These Terms include a binding arbitration provision and a class-action waiver in Section 17 that govern how disputes are resolved.
2. Eligibility
You must be at least 18 years of age and a resident of the United States to use the Services. By using the Services, you represent and warrant that you meet these requirements and that you are not prohibited by law from receiving the Services.
If you are using the Services on behalf of another person, you represent that you have the legal authority to do so and to bind that person to these Terms.
3. About Legacy Family Life
Legacy Family Life LLC is a licensed insurance producer / agency. We sell final expense life insurance and other life insurance products on behalf of insurance carriers with whom we are appointed. We are not an insurance carrier; we do not underwrite policies, set rates, or pay claims. The carrier whose policy you ultimately purchase is solely responsible for the policy obligations.
State insurance license information is available on request.
4. The Services Are Not an Offer of Insurance
Information presented on the Sites or by Legacy agents is for general information only and does not constitute an offer of insurance, a binding quote, financial advice, legal advice, tax advice, or a recommendation to purchase any specific product. Quotes generated by the Services are estimates based on the information you provide and the carriers' published rate tables. Actual policy terms, premiums, and coverage availability are determined by the carrier through its underwriting process and are subject to change.
Coverage is not in force until a policy is issued by a carrier and accepted by you, and any conditions of issue (such as initial premium payment) are met.
5. Communications and Consent
5.1 Express Written Consent
If you submit a quote request, schedule a call, or check a consent checkbox on any Legacy form, you give Legacy your prior express written consent to contact you at the telephone number(s) and email address(es) you provide for the purposes described in the consent disclosure you saw at the time of submission, including:
recurring automated promotional and personalized sales, marketing, and customer care calls and text messages (SMS and MMS) from Legacy Family Life LLC about final expense life insurance products and services to the mobile number you provided;
communications delivered using an automatic telephone dialing system and/or artificial intelligence (AI), including prerecorded or AI-generated voice calls and messages.
Consent is not a condition of purchase. You may obtain a quote, speak with an agent, or purchase a policy without consenting to automated marketing messages — though doing so will limit the channels through which we can re-engage with you. Standard message and data rates may apply. Message frequency varies.
5.2 Revocation of Consent
You may revoke your consent at any time by any reasonable means, including:
replying STOP to any text message;
telling any Legacy representative during a call that you wish to be added to our internal Do Not Call list;
sending a written request to the email or mailing address in Section 22; or
using any unsubscribe link in a marketing email.
We will process revocation requests within 10 business days of receipt, as required by FCC rules. We may send a single one-time confirmation message after a revocation request to confirm the request and clarify the scope of communications you wish to stop.
5.3 Recording of Calls
Calls between you and Legacy may be monitored, recorded, and transcribed for quality assurance, training, compliance, and other lawful business purposes. By communicating with Legacy by phone, you consent to the recording, monitoring, and transcription of those calls. In states that require all-party consent, our agents will provide an additional verbal disclosure.
5.4 Text Messaging Program Terms (SMS / MMS)
By providing your mobile telephone number to Legacy and consenting to receive text messages, you understand and agree to the following:
Sender: Legacy Family Life LLC.
Program description: Recurring automated SMS and MMS messages relating to your quote request, scheduling and reminders for agent calls, follow-up during the quoting and underwriting process, customer care after a policy is issued (including welcome messages, payment reminders, and beneficiary updates), and re-engagement messages. Marketing and promotional content is included.
Message frequency: varies. Average is 2–8 messages per recipient per week during active engagement, declining to monthly or less for long-term customers.
Cost: message and data rates may apply, depending on your wireless plan. Legacy does not charge for messages, but your wireless carrier may.
Carriers: participating carriers include AT&T, T-Mobile, Verizon, Sprint, Boost Mobile, U.S. Cellular, MetroPCS, and others. Carriers are not liable for delayed or undelivered messages.
Opt-out: reply STOP to opt out at any time. After replying STOP you will receive one final confirmation message and will not receive further marketing messages.
Help: reply HELP for help, or contact us at the details in Section 22.
Supported devices: mobile phones capable of receiving SMS/MMS in the United States.
Privacy: message contents and metadata are subject to our Privacy Policy. Mobile information will not be shared with third parties for marketing or promotional purposes by any party. Mobile information may be processed by our subcontracted communications providers (such as Twilio) acting solely on our behalf to deliver the messages you have consented to receive.
If you change or deactivate the mobile number you provided to Legacy, you agree to notify us promptly to avoid messages being delivered to a person who has not consented. You agree that you will not hold Legacy liable for messages sent to a number you no longer control where you failed to update us.
5.5 Voice Call Program Terms
Outbound voice calls from Legacy may be initiated by an automatic telephone dialing system and may use prerecorded or AI-generated voices. Calls will be placed within the hours permitted by federal law (8:00 a.m. to 9:00 p.m. in your local time zone) and within stricter hours where required by state law. You may opt out of voice calls at any time by telling any Legacy representative or by contacting us at the details in Section 22.
6. Acceptable Use
When using the Services, you agree that you will not:
provide false, misleading, or fraudulent information, including a phone number you are not authorized to provide;
impersonate any person, misrepresent your identity, or misrepresent your authority to act on behalf of another person;
use the Services for any unlawful purpose or in violation of any applicable law or regulation;
attempt to gain unauthorized access to the Services, our systems, or any other user's account or information;
use any automated system (including bots, scrapers, or crawlers) to access the Services other than publicly available search engine indexing in accordance with our robots.txt;
interfere with or disrupt the Services or servers connected to the Services;
introduce viruses, malware, or other malicious code;
reverse engineer, decompile, or disassemble any part of the Services;
copy, modify, distribute, sell, or lease any part of the Services or content that we own or license;
use the Services to harass, abuse, or harm another person or to send unsolicited communications;
collect or harvest personal information of other users; or
circumvent or attempt to circumvent any feature designed to limit or restrict your use of the Services.
We reserve the right to investigate and take appropriate legal action against anyone who violates these Acceptable Use provisions.
7. Information You Provide; Accuracy
You agree that all information you provide to Legacy through the Services or in any communication with us is true, accurate, current, and complete. You agree to update Legacy promptly if any information you have provided changes (for example, a new phone number, address, or beneficiary). Inaccurate or out-of-date information may result in your application being denied, your policy being voided, or our inability to deliver communications you have requested.
8. Intellectual Property
All content on the Sites — including text, graphics, logos, images, video, audio, software, and the look and feel of the Sites — is owned by Legacy Family Life LLC or our licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.
You are granted a limited, revocable, non-exclusive, non-transferable license to access and use the Sites for your personal, non-commercial purposes related to obtaining a quote or being a Legacy customer. You may not copy, reproduce, modify, distribute, transmit, display, perform, publish, license, create derivative works from, transfer, or sell any content from the Sites without our prior written permission.
"Legacy Family Life," the Legacy Family Life logo, "Pulse," "Pulse Line," "Pulse Check," "Pulse Track," and other Legacy marks are trademarks of Legacy Family Life LLC. All other trademarks are the property of their respective owners.
8.1 Feedback
If you submit suggestions, feedback, or ideas to Legacy, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use those suggestions for any purpose without obligation to you.
9. Third-Party Services and Links
The Sites may contain links to third-party websites and services that are not owned or controlled by Legacy. We are not responsible for the content, privacy practices, or practices of any third-party site or service. Your use of any third-party site or service is at your own risk and subject to that party's terms and policies.
We may integrate with third-party tools and services to provide the Services. Those integrations are governed by the relevant third party's terms.
10. Changes to the Services
We reserve the right to modify, suspend, or discontinue any part of the Services at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Services.
11. Disclaimer of Warranties
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LEGACY DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
LEGACY DOES NOT WARRANT THAT:
the Services will be uninterrupted, error-free, secure, or free of viruses or other harmful components;
any information obtained through the Services will be accurate, reliable, or current;
any quote, estimate, or rate displayed will match the final premium offered by a carrier;
any text message, voice call, or email will be delivered to you successfully or in a timely manner; or
any defect in the Services will be corrected.
Some jurisdictions do not allow the disclaimer of certain implied warranties, so some of the foregoing disclaimers may not apply to you.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL LEGACY FAMILY LIFE LLC, ITS PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES — INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST DATA, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES — ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF LEGACY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
LEGACY'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00) OR THE AMOUNT YOU HAVE PAID DIRECTLY TO LEGACY (NOT TO ANY CARRIER) IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, WHICHEVER IS GREATER.
THE LIMITATIONS IN THIS SECTION APPLY TO ANY THEORY OF LIABILITY, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY.
Some jurisdictions do not allow the limitation of incidental or consequential damages, so the limitations in this Section may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.
13. Indemnification
You agree to indemnify, defend, and hold harmless Legacy Family Life LLC and its parents, subsidiaries, affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, judgments, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:
your use of the Services;
your violation of these Terms;
your violation of any law or the rights of any third party (including providing a phone number you were not authorized to provide); or
any content or information you submit to Legacy.
Legacy reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense.
14. Term and Termination
These Terms remain in effect while you use the Services. We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including any violation of these Terms. Upon termination, the provisions of these Terms that by their nature should survive will survive — including without limitation Sections 8 (Intellectual Property), 11 (Disclaimer), 12 (Limitation of Liability), 13 (Indemnification), 17 (Dispute Resolution), and 22 (Contact Us).
15. Governing Law
These Terms and any dispute arising out of or relating to these Terms or the Services are governed by the laws of the State of Arizona, without regard to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
For any claim that is not subject to arbitration under Section 17, you agree to submit to the exclusive jurisdiction of the state and federal courts located in Maricopa County, Arizona.
16. Class Action Waiver
YOU AND LEGACY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED ACTION.
The arbitrator may not consolidate the claims of multiple persons or preside over any form of class or representative proceeding. If a court or arbitrator determines that this class-action waiver is unenforceable for any reason, the entirety of Section 17 (Dispute Resolution) will be null and void, but the remainder of these Terms will remain in effect.
17. Dispute Resolution and Binding Arbitration
Please read this Section carefully. It affects your legal rights, including your right to a jury trial.
17.1 Informal Resolution
Before initiating arbitration, you and Legacy agree to attempt to resolve any dispute informally for at least 30 days. To begin the informal-resolution process, you must send a written notice describing the dispute to Legacy at the address in Section 22. The notice must include your full name, mailing address, telephone number, email address, a description of the dispute, and the relief you are seeking.
17.2 Binding Arbitration
If a dispute is not resolved informally within 30 days, you and Legacy agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services — except for disputes excluded in Section 17.4 — will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, as modified by these Terms. The arbitration will be conducted by a single arbitrator. The seat of the arbitration will be Maricopa County, Arizona, but the arbitrator may conduct hearings by telephone, video, or in writing.
The Federal Arbitration Act governs the interpretation and enforcement of this Section.
17.3 Costs of Arbitration
Each party will pay its own attorneys' fees and costs except as otherwise provided by AAA rules or applicable law. Legacy will pay AAA filing, administration, and arbitrator fees to the extent they exceed the cost of filing in a court of competent jurisdiction, except that if the arbitrator finds that your claim is frivolous or brought for an improper purpose, the arbitrator may shift fees as permitted by law.
17.4 Exceptions to Arbitration
The following disputes are not subject to mandatory arbitration:
disputes that may be brought in a small-claims court of competent jurisdiction;
claims for injunctive or other equitable relief to prevent infringement of intellectual property rights; and
any claim that applicable law prohibits from being arbitrated.
17.5 Opt-Out of Arbitration
You may opt out of the arbitration agreement in this Section 17 by sending written notice of your decision to opt out to the address in Section 22 within 30 days of first agreeing to these Terms. Your notice must include your full name, mailing address, telephone number, email address, and a clear statement that you wish to opt out of arbitration. If you opt out, you remain subject to the rest of these Terms.
17.6 Survival
This Section 17 survives termination of these Terms or your relationship with Legacy.
18. Insurance Producer Relationship
Legacy is an independent insurance producer / agency. Insurance is sold through licensed agents employed by Legacy. Legacy is compensated by commission paid by the insurance carriers whose policies we sell. We are obligated by state insurance law to act in good faith with respect to the recommendations we make to you. Carrier-specific terms, conditions, exclusions, and limitations of any policy you purchase are governed by the policy contract issued by the carrier, which controls in the event of any inconsistency with information presented through the Services.
19. Changes to These Terms
We may update these Terms from time to time. The "Last Updated" date at the top of these Terms reflects the date of the most recent change. Material changes will be communicated through a prominent notice on the Sites or, where required by law, by direct notice to you. Your continued use of the Services after a change becomes effective constitutes acceptance of the revised Terms. If you do not agree to a change, you must stop using the Services.
20. Severability and Waiver
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any provision of these Terms is not a waiver of that provision.
21. Entire Agreement; Assignment
These Terms (together with the Privacy Policy and any other agreement you enter into with Legacy) constitute the entire agreement between you and Legacy regarding the Services. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, sale of assets, or by operation of law.
22. Contact Us
Legacy Family Life LLC 2345 E Thomas Rd STE 100 #535 Phoenix, AZ 85016 Email: micah@legacyfamilylife.com Phone: 833-865-6700 Website: https://legacyfamilylife.com
For privacy-related questions, contact micah@legacyfamilylife.com. For SMS-related questions, reply HELP to any message or contact us using the details above. For arbitration opt-out notices and dispute notices, send to [Mailing Address] addressed to "Legal Notice."