Terms of service

Last Updated: August 12, 2025

OVERVIEW

Welcome to Life and Health Partners! The terms “we,” “us,” and “our” refer to Life and Health Partners. We operate this website (the “Site”) and related services to connect individuals with life and health insurance coverage options. We do not sell insurance policies through our Site. Instead, our licensed agent personally reviews available insurance and carrier options with you, helps you select the coverage that best fits your needs, and assists with your enrollment. Our services are provided at no cost to you.

The Site is hosted by Shopify, which enables us to provide the Services to you. These Terms of Service (“Terms”) describe your rights and responsibilities when you use the Site.

Please read these Terms carefully. By completing our online form, checking the consent box, and submitting your information, you agree to be bound by these Terms and our Privacy Policy [LINK]. If you do not agree, you should not submit your information through the Site.

ACCESS AND ELIGIBILITY

By agreeing to these Terms, you represent that you are at least the age of majority in your state or province of residence. You also agree that any information you provide to us is accurate, current, and complete, and that you have all necessary rights to provide it.

You are solely responsible for maintaining the confidentiality of any communications or documents we provide to you during the insurance selection process.

OUR SERVICES

Our services include:

  • Reviewing available life and health insurance plans and carriers with you.

  • Advising you on coverage options based on your needs and preferences.

  • Assisting you with completing the application and enrollment process with the carrier you choose.

We do not charge you for these services. All compensation is paid to us directly by the insurance carriers. We are not responsible for decisions made by carriers regarding your application or coverage.

COMMUNICATIONS AND CONSENT

By providing your phone number and checking the consent box when submitting your information, you expressly agree to receive calls and text messages from us and our partners regarding insurance options, even if your number is on a state or federal “Do Not Call” list. Message and data rates may apply. You may opt out of text messages at any time by replying “STOP” to any message. Consent to receive calls or texts is not a condition of receiving our services.

RELATIONSHIP WITH SHOPIFY

The Site is hosted by Shopify. Shopify may collect and process certain personal information in connection with your use of the Site. For details on Shopify’s privacy practices, please see the Shopify Consumer Privacy Policy.

INTELLECTUAL PROPERTY

All content on the Site, including text, graphics, logos, images, and other materials, is owned by Life and Health Partners or its licensors and is protected by intellectual property laws. You may use the Site and its content solely for your personal, non-commercial purposes related to exploring insurance coverage options. Any other use without our written permission is prohibited.

THIRD-PARTY LINKS

The Site may contain links to third-party websites or resources, including insurance carrier websites. We are not responsible for the content, accuracy, or practices of these third parties. Accessing these sites is at your own risk, and you should review their own terms and privacy policies.

DISCLAIMER OF WARRANTIES

We make no representations or warranties about the completeness, reliability, or accuracy of information provided on the Site. All information is provided “as is” and “as available.” Insurance carrier terms and decisions govern coverage availability, premiums, and benefits.

LIMITATION OF LIABILITY

To the fullest extent permitted by law, Life and Health Partners and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, or consequential damages, or for loss of data, profits, or revenue arising from your use of the Site or our services.

INDEMNIFICATION

You agree to indemnify and hold harmless Life and Health Partners, its affiliates, and service providers from any claims, damages, or expenses arising out of your violation of these Terms or your misuse of the Site.

GOVERNING LAW

These Terms shall be governed by the laws of the State of Texas, without regard to conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts located in Bexar County, Texas.

CHANGES TO TERMS

We may update these Terms from time to time. When we do, we will revise the “Last Updated” date and post the updated Terms on this page. Your continued use of the Site after updates are posted constitutes acceptance of the revised Terms.

CONTACT INFORMATION

Questions about these Terms should be directed to:

Life and Health Partners
1064 Vance Jackson Road, Box 5551
San Antonio, TX 78201, US
Email: alicia@lifeandhealthpartners.com