If you check the SMS consent box on our website, you consent to receive text messages from Lionheart Life LLC related to life insurance quotes, application status, underwriting requirements, policy updates, appointment reminders, and promotional offers about life insurance products. If you agree by phone, you consent to receive non-promotional messages only. Consent is not a condition of purchase. Message frequency varies. Standard message and data rates may apply. Reply STOP at any time to opt out; you will receive one confirmation message and no further texts. Reply HELP or contact support@thelionheartlife.com for assistance. Your number is handled according to our Privacy Policy. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.

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Terms of Service

Effective Date: December 11, 2025

These Terms govern your use of thelionheartlife.com and the services of Lionheart Life LLC. By using our website, you agree to these Terms.

1. Our Services
Lionheart Life is an independent life insurance agency. We provide insurance information, quotes, and help applying for coverage with the insurance companies we are appointed with. Our services are free to you. You pay premiums directly to the insurance company that issues your policy.

2. No Guarantee of Coverage
Quotes are estimates based on the information you provide. Final approval, pricing, and policy terms are decided only by the insurance company after underwriting. We do not issue policies, and coverage is not in force until the insurance company approves your application and its requirements are met.

3. Accurate Information
You agree to give complete and truthful information. Inaccurate or missing information, especially about health or tobacco use, can cause a policy to be denied, rated, or rescinded by the insurance company.

4. Communications
If you check the SMS consent box on our website or agree by phone, we may text you as described in our SMS Terms. Agreeing to receive texts is optional and is not required to buy any product. You can opt out anytime by replying STOP.

5. Website Use
Information on this website is general and is not legal, tax, or financial advice. Policy details are governed by the actual policy contract. You agree not to misuse the website or submit false information.

6. Intellectual Property
The content, logos, and design on this website belong to Lionheart Life LLC. Insurance company names and logos belong to their respective owners.

7. Limitation of Liability
To the extent permitted by law, Lionheart Life is not liable for indirect or consequential damages arising from use of this website, or for underwriting or claims decisions made by insurance companies.

8. Privacy
Your information is handled according to our Privacy Policy.

9. Changes
We may update these Terms. The current version will always be posted on this page with its effective date.

10. Governing Law
These Terms are governed by the laws of the State of California.