Terms of Service

1. Agreement to Terms

By accessing or using the Asurgo website at asurgo.com ("the Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you should not use the Website.

These Terms apply to all visitors, users, and others who access or use the Website or our services. Please also review our Privacy Policy, which describes how we collect and use your personal information.

2. About Asurgo

Asurgo is an independent, licensed life insurance brokerage operating in 48 U.S. states. We are not a captive agency and are not owned by or affiliated with any single insurance carrier. When we compare rates from "25+ carriers," we are referring to the insurance companies with whom we have active appointments to sell their products.

Asurgo does not issue insurance policies. We act as an intermediary, helping consumers compare and apply for coverage through our carrier partners. All insurance policies are underwritten and issued by the respective insurance carriers, not by Asurgo.

3. Use of Our Website

The Website is intended for informational and educational purposes about life insurance products. You may use the Website to:

• Learn about life insurance products and coverage options
• Request quotes and compare rates from multiple carriers
• Contact a licensed specialist for personalized guidance
• Access educational resources about insurance and financial planning

You agree not to use the Website for any unlawful purpose or in any way that could damage, disable, or impair the Website's functionality.

4. Insurance Services

When you request a quote or apply for coverage through Asurgo, you should understand the following:

• Quotes are estimates. Rate quotes provided through our website or by our specialists are estimates based on the information you provide. Final rates and coverage are determined by the issuing insurance carrier based on their underwriting guidelines.
• Approval is not guaranteed. Submitting a quote request or application does not guarantee that you will be approved for coverage. Each carrier has its own underwriting criteria.
• Carrier terms govern. If you purchase a policy, the terms and conditions of coverage are governed by the insurance carrier's policy contract, not by anything stated on our website.
• Coverage varies by state. Product availability, rates, and coverage features vary by state. Not all products are available in all states.

5. Not Financial or Legal Advice

The content on this Website is provided for general informational and educational purposes only. It is not intended to be, and should not be construed as, financial advice, legal advice, tax advice, or investment advice.

While our licensed specialists can help you compare insurance products and explain how they work, we are not financial planners, tax advisors, or attorneys. We recommend consulting with qualified professionals for advice specific to your financial situation, tax obligations, or legal needs.

Discussions of tax benefits (such as tax-free policy loans or tax-deferred cash value growth) are based on current federal tax law and general principles. Tax treatment can vary based on individual circumstances and may change. Consult a qualified tax advisor before making decisions based on potential tax benefits.

6. Accuracy of Information

We strive to keep the information on our Website accurate and up to date. However, the insurance industry changes frequently, and we cannot guarantee that all information is current at all times. This includes but is not limited to:

• Rate ranges and sample pricing (which vary by carrier, state, age, and health)
• Carrier cap rates, participation rates, and fee structures (which carriers may change)
• Product features and availability (which vary by state and carrier)
• Regulatory and tax information (which is subject to change)

For the most current and accurate information about a specific product or rate, please contact one of our licensed specialists directly.

7. Your Responsibilities

When using our Website and services, you agree to:

• Provide accurate information. When requesting a quote or applying for coverage, you agree to provide truthful, accurate, and complete information. Providing false information on an insurance application may result in denial of claims or policy cancellation.
• Be of legal age. You must be at least 18 years old to use our services or submit information through our Website.
• Use the Website lawfully. You agree not to use the Website for any purpose that is illegal, fraudulent, or harmful to others.
• Respect our content. You may not copy, reproduce, distribute, or create derivative works from our Website content without our written permission.

8. Intellectual Property

The content on this Website, including text, graphics, logos, images, design elements, and software, is the property of Asurgo or its content licensors and is protected by copyright and other intellectual property laws.

The Asurgo name, logo, and brand identity are trademarks of Asurgo. You may not use our trademarks without our prior written consent.

Carrier names and logos displayed on our Website are the property of their respective owners and are used for identification purposes only.

9. Third-Party Links

Our Website may contain links to websites operated by third parties. These links are provided for your convenience and do not constitute an endorsement of those websites or their content. We are not responsible for the content, privacy practices, or terms of use of any third-party website.

10. Disclaimers

The Website and its content are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Asurgo does not warrant that:

• The Website will be uninterrupted, error-free, or secure
• The information on the Website is complete, accurate, or current at all times
• Any particular insurance product will be available to you or at a specific price
• The results obtained from using the Website will meet your expectations

11. Limitation of Liability

To the maximum extent permitted by applicable law, Asurgo and its owners, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Website or our services.

This limitation applies regardless of the theory of liability (contract, tort, strict liability, or otherwise) and even if Asurgo has been advised of the possibility of such damages.

In no event shall Asurgo's total liability to you exceed the amount you paid to Asurgo (if any) in the twelve months prior to the event giving rise to the claim. Since Asurgo's services to consumers are provided at no cost (we are compensated by insurance carriers), this limitation reflects the nature of our free-to-consumer business model.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which Asurgo maintains its principal place of business, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the courts of that jurisdiction.

13. Changes to These Terms

We may update these Terms from time to time. When we make changes, we will update the "Effective date" at the top of this page. Your continued use of the Website after any changes constitutes your acceptance of the updated Terms.

We encourage you to review these Terms periodically to stay informed about your rights and responsibilities.

Asurgo is an independent insurance brokerage. We are not affiliated with or endorsed by any single insurance carrier or government agency. Participating sales agencies represent various insurance companies.