Effective Date: January 5, 2025

Welcome to Palm Life Insurance. By accessing our website or using our services, you agree to the following terms:

1. Services
Palm Life Insurance provides insurance and financial solutions, including but not limited to life insurance, retirement planning, income protection, and related products.

2. No Guarantee
All insurance policies and financial products are subject to approval by carriers. Quotes provided are estimates and not guaranteed until underwriting is complete.

3. User Responsibilities
By using our services, you agree to:

Provide accurate, complete, and current information.

Not misuse our website or services for unlawful purposes.

Not submit false or misleading requests.

4. Communication Consent
By providing your phone number and/or email, you consent to receive communications, including SMS, calls, and emails, related to our services. Standard carrier rates may apply. You can opt out of SMS at any time by replying STOP.

5. Limitation of Liability
Palm Life Insurance is not responsible for any damages arising from the use of our website, SMS services, or third-party links. Insurance coverage is subject to the terms and conditions of individual policies.

6. Intellectual Property
All content on this website (logos, text, graphics, etc.) is owned by Palm Life Insurance and may not be used without prior written consent.

7. Governing Law
These Terms are governed by the laws of the United States and the State of Florida.

8. Contact Us
If you have any questions about these Terms, contact us at:
📧 [email protected]
📞 +1 (575) 502-5703
📍 Spring Hill, FL