Terms of Service

1. Acceptance of Terms

By accessing or using the Moore Life Agency website (“Site”), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use the Site. You must be at least 18 years old to use this Site.

2. About Our Services

Moore Life Agency is an independent insurance agency licensed in all 50 states. We help individuals and families find life insurance and related financial protection solutions, including mortgage protection, life insurance with living benefits, debt elimination strategies, and retirement planning.

We are not an insurance company and do not underwrite or issue insurance policies. Insurance coverage is subject to the terms, conditions, and exclusions of the issuing carrier.

Moore Life Agency is not a registered investment advisor and does not provide investment advice. Retirement planning and debt elimination discussions are educational in nature and focused on insurance-based solutions. You should consult a qualified financial advisor before making investment decisions. Nothing on this Site should be construed as tax, legal, or investment advice.

3. No Guarantee of Outcomes

Information provided on this Site, including descriptions of insurance products, debt elimination programs, retirement planning strategies, and other services, is for general informational purposes only and does not constitute a guarantee of specific outcomes, coverage, rates, or eligibility.

Quotes are estimates based on the information you provide and are subject to change based on underwriting by the insurance carrier. Not all products and services described on this Site are available in all states. Product availability, features, and rates may vary by state and are subject to state regulatory approval.

4. Your Responsibilities

You agree to provide accurate, complete, and current information when using our forms, scheduling appointments, or communicating with us. Providing false or misleading information may result in denial of coverage or cancellation of a policy by the issuing carrier.

5. Intellectual Property

All content on this Site — including text, graphics, logos, and images — is the property of Moore Life Agency or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our written permission.

6. Third-Party Services

This Site integrates with third-party services, including Calendly (appointment scheduling) and email delivery providers. Your use of these services is subject to their respective terms and privacy policies. We are not responsible for the practices of third-party providers. For details on how third-party services handle your data, see our Privacy Policy.

7. Limitation of Liability

To the fullest extent permitted by law, Moore Life Agency shall not be liable for any indirect, incidental, or consequential damages arising from your use of this Site or our services. We are responsible for providing accurate information and good service, but we cannot be held liable for outcomes beyond our control, such as carrier underwriting decisions, market conditions, or technical issues with our website.

8. Disclaimer of Warranties

This Site is provided “as is” and “as available” without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

9. Dispute Resolution

Any dispute arising out of or relating to these Terms shall first be attempted to be resolved through good-faith negotiation. If unresolved, disputes shall be submitted to the state or federal courts located in Alabama, and you consent to the personal jurisdiction of such courts.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Alabama, without regard to its conflict of law provisions. Moore Life Agency is licensed in all 50 states.

11. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

12. Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated “Last updated” date. Continued use of the Site after changes constitutes acceptance of the revised Terms.

13. SMS Communications

Moore Life Agency is an independent life insurance agency. By providing your phone number through our website or forms, you consent to receive text messages (SMS) from Moore Life Agency. Messages may include appointment reminders, follow-ups regarding your insurance inquiry or career application, and service updates.

• Message frequency varies depending on your interaction with our services (e.g., appointment scheduling, follow-ups, and service updates).
• Message and data rates may apply.
• Reply STOP at any time to opt out of all future text messages.
• Reply HELP for assistance, email us at info@mlifeagency.com, or visit mlifeagency.com/contact.
• Wireless carriers are not liable for delayed or undelivered messages.

Consent to receive text messages is not a condition of purchasing any insurance product or service from Moore Life Agency. Your information, including your phone number and inquiry details, will be handled in accordance with our Privacy Policy, which describes the full scope of SMS communications, and will not be shared with third parties for marketing purposes.

14. Electronic Communications Consent

By using this Site or submitting any form, you consent to receive electronic communications from Moore Life Agency. These communications may include emails, text messages, and other notices related to your inquiry, appointments, or services. Electronic communications from us satisfy any legal requirement that such communications be in writing. You may withdraw consent at any time by contacting us at info@mlifeagency.com.

15. Contact Us

If you have questions about these Terms of Service, please contact us: