Terms of Use

1.1 Purpose

These Terms of Use (“Terms”) govern access to and use of the Honor & Life Protection & Wealth Services website (the “Website”), including all pages, educational materials, digital resources, calculators, forms, newsletters, event information, communications, and any other content or services made available through the Website.

These Terms constitute a legally binding agreement between you (“User,” “you,” or “your”) and Honor & Life Protection & Wealth Services (“Honor & Life,” “we,” “our,” or “us”). By accessing or using this Website, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and by any policies incorporated herein by reference.

If you do not agree to these Terms, you must immediately discontinue use of the Website.

1.2 Scope

These Terms apply to every visitor, user, prospective client, subscriber, or any other individual who accesses or interacts with the Website, regardless of whether such individual ultimately purchases an insurance product or requests professional services.

These Terms govern only the use of this Website and do not alter, replace, or supersede the terms of any insurance policy, annuity contract, carrier agreement, or other legally binding agreement issued by an insurance company or executed separately between a licensed insurance professional and a client.

1.3 Website Purpose

The Website is intended exclusively to provide educational information regarding life insurance, retirement concepts, asset protection strategies, wealth preservation concepts, living benefits, financial literacy, and related topics.

Nothing contained on the Website shall be interpreted as legal advice, tax advice, accounting advice, investment advice, fiduciary advice, financial planning services, insurance underwriting, a solicitation where prohibited by law, or a recommendation that any particular insurance product or financial strategy is appropriate for a specific individual.

1.4 No Client Relationship

Accessing the Website, reading its contents, subscribing to newsletters, completing informational forms, downloading educational materials, or communicating through the Website does not establish any professional, fiduciary, legal, accounting, or insurance client relationship.

2.1 Honor & Life

“Honor & Life” refers to the Honor & Life Protection & Wealth Services brand and its educational resources. Honor & Life is not an insurance carrier, bank, law firm, accounting firm, securities broker-dealer, registered investment adviser, or financial institution.

2.2 Website

“Website” means honorandlife.com, including all webpages, forms, newsletters, calculators, downloadable resources, event pages, graphics, and future online services.

2.3 User

“User” means any person or entity accessing or interacting with the Website.

2.4 Licensed Insurance Professional

An individual holding active insurance licenses and authorized to discuss or facilitate insurance products only where legally permitted.

2.5 Insurance Carrier

An independent insurance company authorized to issue insurance products under applicable law.

2.6 Educational Content

All articles, guides, calculators, videos, graphics, newsletters, illustrations, presentations, and informational materials published through the Website.

2.7 D.I.M.E.

Debt, Income, Mortgage and Education methodology used solely for educational estimation purposes.

2.8 Financial Lifestyle Strategy (FLS)

Honor & Life's educational consultation framework. FLS does not constitute investment, tax, legal, fiduciary, or financial planning advice.

3.1 Agreement

By accessing or using the Website, you agree to comply with these Terms and all applicable laws.

3.2 Continuing Acceptance

Continued use of the Website following any modification constitutes acceptance of the revised Terms.

3.3 Electronic Acceptance

Your continued access or use of the Website constitutes your electronic acceptance of these Terms to the fullest extent permitted by applicable law.

4.1 Legal Capacity

The Website is intended for individuals who possess the legal capacity to enter into binding agreements under the laws applicable to their jurisdiction.

By submitting an inquiry, requesting information, subscribing to communications, or otherwise interacting with the Website beyond general browsing, you represent and warrant that you possess the legal capacity to enter into legally binding agreements.

4.2 Minors

The Website may be accessed for general informational purposes by individuals of any age.

However, users submitting contact forms, requesting consultations, subscribing to communications intended for prospective clients, or seeking insurance-related services represent that they are of legal age to enter into legally binding agreements under applicable law.

Honor & Life does not knowingly provide insurance-related services directly to minors without the participation or authorization of a parent or legal guardian where required by law.

4.3 Jurisdictional Eligibility

Insurance products and related professional services are available only where the applicable licensed insurance professional is properly licensed or otherwise authorized to conduct business.

Nothing on the Website constitutes an offer or solicitation where prohibited by law.

Users are responsible for ensuring that their use of the Website complies with the laws applicable to their jurisdiction.

5.1 Brand Identity

Honor & Life Protection & Wealth Services is an educational and marketing brand dedicated to providing educational information regarding insurance protection, financial literacy, retirement concepts, wealth preservation, and related subjects.

5.2 Independent Licensed Professionals

Insurance-related consultations and recommendations are provided solely by appropriately licensed insurance professionals operating under the Honor & Life brand.

Each licensed insurance professional remains individually responsible for complying with all applicable licensing laws and regulatory requirements.

5.3 No Insurance Company

Honor & Life is not an insurance carrier.

Honor & Life does not issue insurance policies, approve applications, underwrite risks, determine premiums, process claims, or make benefit determinations.

Insurance products are issued exclusively by independent insurance carriers.

5.4 No Financial Institution

Honor & Life is not a bank, credit union, securities broker-dealer, registered investment adviser, accounting firm, law firm, or tax preparation service.

5.5 Independent Insurance Carriers

Each insurance carrier maintains its own underwriting guidelines, eligibility requirements, policy provisions, pricing methodology, administrative procedures, and claims practices.

Honor & Life does not control or guarantee any decision made by an insurance carrier.

5.6 No Guarantee of Availability

Availability of insurance products depends upon state approval, underwriting, eligibility, carrier requirements, and applicable law.

Reference to a product or strategy does not guarantee availability for every individual.

6.1 Permitted Use

The Website is provided solely for lawful, personal, educational, and informational purposes.

Users receive a limited, non-exclusive, non-transferable, and revocable license to access and use the Website in accordance with these Terms.

6.2 Prohibited Conduct

Users shall not violate applicable law, interfere with Website security, introduce malicious software, attempt unauthorized access, impersonate another person or entity, submit false information, scrape Website content without authorization, or infringe Honor & Life's intellectual property.

6.3 Accuracy of Information

Users are responsible for ensuring that all information submitted through the Website is accurate, complete, and current.

6.4 No Unlawful Use

The Website shall not be used for unlawful, fraudulent, abusive, deceptive, threatening, defamatory, discriminatory, or otherwise improper purposes.

6.5 Website Availability

Honor & Life does not guarantee uninterrupted or error-free operation of the Website and reserves the right to modify, suspend, or discontinue any portion of the Website at any time without prior notice.

7.1 Informational Purpose

All Educational Content is provided solely for general informational and educational purposes.

7.2 No Professional Advice

Educational Content does not constitute legal, tax, accounting, investment, fiduciary, or financial planning advice and should not be relied upon as a substitute for individualized professional guidance.

7.3 No Guarantee of Results

Examples, illustrations, projections, and hypothetical scenarios are provided solely to explain general concepts and do not guarantee future outcomes or product performance.

8.1 Consultation Process

Insurance-related discussions are conducted only by properly licensed insurance professionals after obtaining sufficient information to understand a prospective client's objectives and circumstances.

8.2 No Obligation

Submitting a contact form or requesting information does not obligate either party to enter into a professional relationship or purchase any product.

8.3 Underwriting

Eligibility for any insurance product is determined exclusively by the issuing insurance carrier through its underwriting process.

9.1 Authorized Jurisdictions

Insurance-related services are offered only in jurisdictions where the applicable licensed insurance professional is properly licensed or otherwise authorized.

9.2 Regulatory Compliance

Honor & Life intends to comply with all applicable insurance laws and regulations governing the jurisdictions in which services are provided.

10.1 Ownership

Unless otherwise indicated, all Website content, including text, graphics, logos, branding, icons, layouts, downloadable materials, educational resources, and other original content is owned by or licensed to Honor & Life and is protected by applicable intellectual property laws.

10.2 Limited License

Users are granted a limited license to access and view Website content for personal, non-commercial purposes only.

10.3 Restrictions

No content may be copied, reproduced, modified, distributed, published, displayed, transmitted, sold, or exploited without prior written authorization, except as permitted by applicable law.

11.1 External Links

The Website may contain links to third-party websites for user convenience.

11.2 No Endorsement

The inclusion of a third-party link does not constitute an endorsement, sponsorship, recommendation, or guarantee of any third-party products, services, or information.

11.3 Third-Party Responsibility

Honor & Life is not responsible for the content, availability, privacy practices, security, or accuracy of any third-party website.

12.1 Compliance

Users agree to comply with these Terms and all applicable federal, state, and local laws when accessing or using the Website.

12.2 Truthful Information

Users shall provide accurate, complete, and current information when submitting inquiries, requesting consultations, subscribing to newsletters, or communicating through the Website.

12.3 Security

Users are responsible for protecting the confidentiality of any information transmitted through their own devices and internet connections.

13.1 Privacy Policy

The collection, use, storage, and protection of personal information are governed by the Honor & Life Privacy Policy, which is incorporated into these Terms by reference.

13.2 Consent

By voluntarily submitting information through the Website, Users acknowledge that such information may be processed in accordance with the Privacy Policy and applicable law.

14.1 Educational Nature

All content made available through the Website is provided for educational and informational purposes only.

14.2 No Professional Advice

Nothing contained on the Website constitutes legal, tax, accounting, investment, fiduciary, or financial planning advice.

14.3 No Insurance Offer

The Website does not constitute an offer to sell or a solicitation to purchase insurance where prohibited by applicable law.

14.4 No Warranty

The Website and all content are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, whether express or implied, to the fullest extent permitted by law.