These Terms of Service ("Terms") govern your use of the website and services provided by Life Pros, a division of Southwestern Legacy Insurance Group ("Company," "we," "our," or "us"). By accessing or using our website, you agree to be bound by these Terms.
1. About Our Services
Life Pros is a licensed independent insurance agency. We provide free coverage reviews where our licensed agents compare insurance rates from 40+ carriers to help you find coverage that fits your needs and budget.
We are insurance agents, not insurers. We do not underwrite, issue, or guarantee any insurance policy. Insurance products are issued by the carrier you select, subject to that carrier's underwriting requirements and approval.
2. Government Non-Affiliation
Life Pros is a private business. We are not affiliated with, endorsed by, or connected to the U.S. Department of Veterans Affairs, the Department of Defense, any branch of the U.S. military, or any local, state, or federal government agency. All insurance products offered through our services are private commercial products — they are not government benefits, military entitlements, or VA programs.
3. No Guarantee of Coverage or Rates
All rate estimates, coverage descriptions, and comparisons provided on this website or during coverage review calls are general in nature and for informational purposes only. They do not constitute:
- A binding offer of insurance
- A guarantee of coverage approval
- A guarantee of specific premium rates
- A promise that you will qualify for any particular policy
Actual coverage, premiums, and eligibility are determined by the insurance carrier based on your individual application, health history, age, state of residence, and other underwriting factors. Rates and availability vary.
4. Licensing and Solicitation
Our agents are licensed to sell insurance in 46 U.S. states (all states except Hawaii, Alaska, Illinois, and New York as of the date of these Terms). The information presented on this website is not a solicitation to purchase insurance in any state where our agents are not licensed or appointed.
Nothing on this website constitutes an offer or solicitation in any jurisdiction where such offer or solicitation would be unlawful. We do not guarantee licensure or appointment in any particular state — our list of licensed states is subject to change. If you reside in a state where we are not currently licensed, we cannot assist you.
5. Accuracy of Information
We make reasonable efforts to ensure the information on our website is accurate and up to date. However:
- Insurance rates change frequently and vary by carrier, state, age, health, and other factors
- VA benefit amounts are approximate and subject to change — visit va.gov for current official information
- Funeral and burial cost statistics are based on publicly available industry data and represent national averages — actual costs vary by location and service
- Carrier counts (e.g., "40+ carriers") represent our total carrier network and may vary by state or product type
You should not rely solely on information from our website when making insurance decisions. Your coverage review call with a licensed agent will provide specific, current information for your situation.
6. Communications Consent
By providing your phone number and checking the consent checkbox on our website, you consent to receive calls, text messages, and emails from Life Pros and its agents. Please review our Privacy Policy for full details on our communication practices, including your right to opt out at any time.
Your consent to receive communications is not a condition of purchasing any insurance product. Message and data rates may apply. Message frequency varies. Reply STOP to any text message to opt out.
7. Use of This Website
You agree to use this website only for lawful purposes and in accordance with these Terms. You may not:
- Use the website in any way that violates applicable law or regulation
- Submit false or misleading information through our forms
- Attempt to interfere with the website's operation or security
- Scrape, crawl, or otherwise automatically access the website without our permission
- Use the website to transmit spam or unsolicited communications
8. Intellectual Property
All content on this website — including text, graphics, logos, images, and design — is the property of Southwestern Legacy Insurance Group or its licensors and is protected by copyright and trademark law. You may not copy, distribute, or reproduce any content without our written permission.
9. Third-Party Links and Services
Our website may contain links to third-party websites or services (e.g., insurance carrier websites, va.gov). We are not responsible for the content, accuracy, or practices of third-party sites. Your use of third-party services is governed by their respective terms and privacy policies.
10. Limitation of Liability
To the fullest extent permitted by law:
- Our website and services are provided "as is" and "as available" without warranties of any kind, express or implied
- We do not warrant that the website will be uninterrupted, error-free, or secure
- We are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services
- Our total liability for any claim related to our website or services shall not exceed the amount you paid us in the 12 months preceding the claim (which, for our free coverage reviews, is $0)
11. Indemnification
You agree to indemnify and hold harmless Southwestern Legacy Insurance Group, its officers, directors, employees, and agents from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your violation of these Terms or your use of our website.
12. Governing Law
These Terms are governed by the laws of the State of Nebraska, without regard to its conflict-of-law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Nebraska.
13. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
14. Changes to These Terms
We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page. Your continued use of our website after changes are posted constitutes acceptance of the updated Terms.
15. Contact Us
If you have questions about these Terms, contact us at:
Life Pros — Veteran Life Department
A division of Southwestern Legacy Insurance Group
Email: legal@lifepros.com