Terms of Service

Agreement to Terms

By accessing or using protegionlife.com, you agree to be bound by these Terms of Service. If you do not agree, please do not use our website.

About Protegion Life

Protegion Life is an independent life insurance agency. We are licensed insurance agents — we are NOT an insurance company or carrier.

We represent multiple insurance carriers and help you find coverage that fits your needs and budget.

We are licensed to sell insurance in the state(s) listed on our website. We can only provide services to residents of states where we hold an active license.

Services

We provide free, no-obligation life insurance quotes and consultations.

We help connect you with insurance carriers who offer products including final expense insurance, whole life insurance, term life insurance, mortgage protection insurance, and indexed universal life insurance.

All insurance policies are issued by the insurance carriers, not by Protegion Life. We act as the agent/intermediary.

No Guarantee of Coverage or Rates

The information on our website is for educational and informational purposes only.

Quotes provided through our website or by our agents are estimates only and are subject to the insurance carrier’s underwriting process.

We do not guarantee that you will be approved for coverage, that specific rates will be available, or that any particular policy will be offered to you.

Final coverage terms, conditions, premiums, and eligibility are determined solely by the insurance carrier.

Accuracy of Information You Provide

You agree to provide accurate, current, and complete information when submitting forms on our website.

Providing false or misleading information may result in denial of coverage by insurance carriers.

SMS Program Terms

Program: Protegion Life quote request follow-up (operated by Wealth Elite Financial And Insurance Agency).

By providing your mobile number and checking the consent box on our quote request form, you agree to receive SMS messages from Protegion Life related to your quote request, including verification codes, callback confirmations, and follow-up communications.

Message frequency: Up to 7 messages over 14 days, plus verification and confirmation messages as needed.

Message and data rates may apply. Supported carriers include AT&T, T-Mobile, Verizon, and other major US carriers. Carriers are not liable for delayed or undelivered messages.

To opt out, reply STOP to any message. To get help, reply HELP or contact support@protegionlife.com. You may also start receiving messages again by replying START or YES.

See our Privacy Policy at protegionlife.com/privacy for SMS data handling details.

Intellectual Property

All content on protegionlife.com — including text, graphics, logos, and design — is the property of Protegion Life and is protected by applicable intellectual property laws.

You may not copy, reproduce, distribute, or create derivative works from our content without our written permission.

Third-Party Links

Our website may contain links to third-party websites (such as insurance carrier sites). We are not responsible for the content, privacy practices, or terms of any third-party sites.

Limitation of Liability

To the maximum extent permitted by law, Protegion Life shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.

We are not liable for any decisions you make based on information provided on our website. Always consult with a qualified professional for personalized advice.

Disclaimer of Warranties

Our website and services are provided “as is” and “as available” without warranties of any kind, either express or implied.

We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to conflict of law principles.

Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of our website after changes constitutes acceptance.