Legal
Terms & Conditions
Effective Date: July 1, 2026 | Last Updated: July 1, 2026
Welcome to Legacy Point Life Insurance Agency. These Terms and Conditions govern your use of our website located at legacypoint.consulting and our life insurance services. Please read these terms carefully before using our website or engaging our services. These Terms apply to all visitors, users, and others who access or use our services.
1. Acceptance of Terms
Agreement to Terms
By accessing or using the Legacy Point website (legacypoint.consulting) or any of our services, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these terms, please do not use our website or services. These Terms constitute a legally binding agreement between you and Legacy Point Life Insurance Agency.
Modifications
Legacy Point reserves the right to modify these Terms at any time. We will provide notice of significant changes by updating the "Last Updated" date at the top of this page. Your continued use of our services after any modification constitutes your acceptance of the revised Terms.
2. Description of Services
2.1 Insurance Brokerage Services
Legacy Point is a licensed non-captive life insurance agency. We provide life insurance brokerage services, including consultation, policy comparison, application assistance, and ongoing policy support. We work with multiple insurance carriers to find coverage solutions that meet our clients' needs.
2.2 No Guarantee of Coverage
Providing information through our website or speaking with an agent does not guarantee that you will be approved for insurance coverage. All coverage is subject to underwriting approval by the applicable insurance carrier. Premium rates and policy terms are determined by the carriers and subject to change.
2.3 Informational Content
The content on our website, including articles, guides, and tools, is provided for general informational purposes only. It does not constitute financial, legal, or tax advice. You should consult with qualified professionals for advice specific to your situation.
3. Eligibility
Age Requirement
You must be at least 18 years of age to use our services or request insurance coverage. By using our website or services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement.
4. Accuracy of Information
4.1 Your Obligation
When requesting quotes or applying for insurance through Legacy Point, you agree to provide accurate, current, and complete information. Providing false or misleading information on an insurance application may constitute fraud and can result in denial of coverage, cancellation of your policy, or denial of claims. You are responsible for the accuracy of all information you submit.
4.2 Our Content
While we strive to keep the information on our website accurate and up to date, we make no representations or warranties regarding the completeness, accuracy, reliability, suitability, or availability of any information, products, or services on our website. Any reliance you place on such information is strictly at your own risk.
5. Intellectual Property
Ownership
All content on the Legacy Point website — including text, graphics, logos, images, and the compilation thereof — is the property of Legacy Point Life Insurance Agency or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use our content without our prior written consent.
Limited License
We grant you a limited, non-exclusive, non-transferable license to access and use our website for your personal, non-commercial purposes. This license does not include the right to scrape, collect, or use any data mining, robots, or similar data gathering tools.
6. Privacy
Privacy Policy
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy. Please review our Privacy Policy at legacypoint.consulting/privacy.
7. Third-Party Links and Services
External Links
Our website may contain links to third-party websites or services. These links are provided for convenience only. Legacy Point has no control over the content, privacy policies, or practices of third-party sites and expressly disclaims any responsibility for them. We encourage you to review the terms and privacy policies of any third-party sites you visit.
Insurance Carriers
When you apply for insurance, your information will be shared with and your relationship will ultimately be with the applicable insurance carrier. The carrier's own terms, conditions, and agreements will govern your insurance policy. Legacy Point acts as an intermediary and is not a party to the insurance contract between you and the carrier.
8. Disclaimers and Limitation of Liability
8.1 Disclaimer of Warranties
Our website and services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.
8.2 Limitation of Liability
To the fullest extent permitted by applicable law, Legacy Point, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — our website or services, even if we have been advised of the possibility of such damages. Our total liability to you for all claims arising from these Terms or your use of our services shall not exceed the amount paid by you, if any, for accessing our services.
8.3 Insurance Decisions
Legacy Point provides guidance and recommendations but the final decision regarding any insurance purchase rests solely with you. We are not liable for the suitability, adequacy, or performance of any insurance product you purchase, which is governed by the terms of your insurance policy and the applicable carrier.
9. Indemnification
Your Obligation to Indemnify
You agree to indemnify, defend, and hold harmless Legacy Point and its officers, directors, employees, agents, and successors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your access to or use of our website or services; (b) your violation of these Terms; (c) your violation of any third-party right; or (d) any inaccurate or incomplete information you provide.
10. Governing Law and Dispute Resolution
10.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Legacy Point is licensed to operate, without regard to conflict of law principles.
10.2 Dispute Resolution
Any dispute arising from these Terms or your use of our services shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive any right to participate in a class action lawsuit or class-wide arbitration.
11. Termination
Right to Terminate
Legacy Point reserves the right to terminate or suspend your access to our website or services at any time, without notice or liability, for any reason, including if we believe you have violated these Terms. Upon termination, all provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.
12. Severability
Severability
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid, illegal, or unenforceable provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable.
13. Entire Agreement
Complete Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Legacy Point regarding your use of our website and services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.
14. Contact Information
Reach Us
If you have any questions about these Terms and Conditions, please contact us at: info@legacypoint.consulting. We aim to respond to all inquiries within 5 business days.
Have questions about these terms? Reach out anytime.
info@legacypoint.consulting