SMS Terms and Conditions

Effective Date: 02/26/2023
Last Updated: 11/03/2025

Welcome to Life Insurance Assistance Program LLC (“we,” “our,” or “us”). By accessing or using our website, services, or communications, you agree to be bound by the following Terms of Use. Please read them carefully before using our site.

If you do not agree to these terms, please do not use our website or submit any personal information.

  • Consent for SMS Communication: A statement confirming that information obtained as part of the SMS consent process will not be shared with third parties.
  • Types of SMS Communications: A clear description of the types of SMS communications a customer might receive. This should include examples such as:
  • Customers and Guests: Updates regarding orders, deliveries, or other relevant information.
  • Job Applicants: Information about application status, onboarding materials, or other employment-related updates.
  • Standard Messaging Disclosures: Include standard message disclosures:
  • “Message and data rates may apply. You can opt-out at any time by texting ‘STOP.’ For assistance, text ‘HELP’ or visit our Privacy Policy and SMS Terms & Conditions.”

1. Use of Our Website

This website is intended to provide general information about final expense and life insurance products. It is for informational and educational purposes only and should not be considered legal, financial, or professional advice.

By using our website, you agree to use it only for lawful purposes and in a way that does not infringe on the rights of, restrict, or inhibit anyone else’s use and enjoyment of the site.

2. No Guarantee of Coverage or Rates

Submitting a request for a quote does not guarantee coverage or approval for any insurance product.
All insurance policies are subject to underwriting guidelines and approval by the issuing insurance carrier.

Rates, eligibility, and product availability vary by state, age, health, and other factors. Quotes provided through this website are estimates only and may change after a full underwriting review.

3. Accuracy of Information

You agree that any information you provide through our website, phone, or text is accurate, current, and complete. Providing false or misleading information may affect your eligibility for insurance coverage or result in termination of services.

4. Communication Consent (TCPA Compliance)

By submitting your contact information (including phone number or email) through this website, you expressly consent to being contacted by Life Insurance Assistance Program LLC, its licensed agents, or authorized partners via the following methods:

  • Phone calls (including autodialed or prerecorded calls)
  • Text messages (SMS)
  • Email communications

These communications may include insurance quotes, follow-ups, or information related to your inquiry.
Your consent is not a condition of purchase, and you may opt out at any time by replying “STOP” to any text or by contacting us directly.

For details about how we use and protect your contact information, please review our Privacy Policy and SMS Terms & Conditions.

5. Message Frequency and Rates

Message frequency may vary based on your activity and engagement.
Standard message and data rates may apply according to your carrier’s plan.

6. Third-Party Links and Partners

Our website may contain links to third-party websites or affiliate services for your convenience.
We are not responsible for the content, accuracy, or privacy practices of third-party websites. Visiting those sites is at your own risk, and you should review their privacy and terms policies separately.

7. Intellectual Property Rights

All content on this website—including text, graphics, logos, images, and other materials—is the property of Life Insurance Assistance Program LLC or its content providers and is protected by U.S. and international copyright laws.

You may not reproduce, distribute, or use any material from this website for commercial purposes without prior written permission.

8. Limitation of Liability

To the fullest extent permitted by law, Life Insurance Assistance Program LLC and its agents, affiliates, or employees are not liable for any direct, indirect, incidental, or consequential damages arising from:

  • Your use of this website or our services
  • Errors, delays, or interruptions in the website
  • Reliance on information obtained through this site
  • Any communications or transactions made as a result of the website

Your use of this site is at your own risk.

9. Disclaimer of Warranties

This website and its content are provided “as is” and “as available.”
We make no warranties or representations of any kind, express or implied, including but not limited to accuracy, reliability, or availability of content or services.

10. Indemnification

You agree to indemnify, defend, and hold harmless Life Insurance Assistance Program LLC, its officers, agents, employees, and affiliates from any claim, liability, loss, or expense (including attorney fees) arising out of your use of this website or violation of these Terms.

11. Changes to Terms

We may update or modify these Terms of Use at any time without prior notice. The latest version will always be posted on this page with the updated effective date. Continued use of the website constitutes acceptance of any changes.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law principles.
Any disputes arising from or related to this website shall be resolved in the courts located within [Your County, Your State].

13. Contact Information

If you have any questions about these Terms of Use or your interactions with us, please contact:

Life Insurance Assistance Program LLC
Email: liapbenefitsconsultant@gmail.com
Phone: 919-261-6511
Mailing Address: 1140 Kildaire Farm Road Suite 200 Room 3 Cary NC 27511

14. Acknowledgment

By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use, as well as our Privacy Policy and SMS Terms & Conditions.