Terms of Use

These Terms of Use govern your use of the website operated by Legacy & Love Insurance Group (“Legacy & Love,” “we,” “us,” or “our”), including legacyandlovegroup.com (the “Website”). By using the Website, you agree to these Terms. If you do not agree, please do not use the Website.

Content on this Website is provided for general informational and educational purposes. It describes insurance products, coverage concepts and planning topics in general terms and does not take your individual circumstances into account. Nothing on this Website is legal, tax, accounting or medical advice, and you should consult a qualified attorney, tax professional or medical professional for advice on those matters. Legacy & Love does not provide legal or tax advice; where appropriate, those services are provided through authorized third-party providers.

Descriptions of products or coverage on this Website do not modify, amend or supersede the terms of any insurance policy. Coverage is determined solely by the terms and conditions of the actual policy or plan issued.

We cannot guarantee that any product, plan, rate or benefit described on this Website will be available to you, that you will be eligible, that a carrier will accept an application, or that any quote shown or provided is final. Quotes are estimates and are subject to underwriting, eligibility rules, network and formulary requirements, plan availability in your area, and final carrier approval. Enrollment or applications are completed on the applicable carrier's or partner's website or with our assistance, and the final terms come from the carrier or plan.

We do not offer every plan available in your area. Legacy & Love Insurance Group represents a limited number of carriers and plans in your service area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

Legacy & Love Insurance Group is an independent insurance agency currently licensed in GA, MN, NJ, PA and SD. Our licensing may change from time to time; product availability depends on the licenses we hold and the carriers and plans we represent in your state. Nothing on this Website is a solicitation or offer to sell insurance in any state where we are not licensed.

The Website links to third-party websites and services, including carrier quoting and enrollment portals, our scheduling calendar, our social media pages, and partner sites. We do not control those sites and are not responsible for their content, accuracy, security or privacy practices. Your use of third-party websites is at your own risk and governed by their own terms and policies.

You agree not to:

use the Website for any unlawful purpose; submit false, misleading or fraudulent information through our forms; submit sensitive information the forms are not designed to collect, such as Social Security numbers, Medicare numbers, health details or payment information; interfere with the operation or security of the Website; scrape, copy or reuse our content for commercial purposes without our written permission; or misrepresent your identity or eligibility when requesting information or enrolling in coverage.

When you submit a form, schedule an appointment, or consent to marketing communications, you agree that we may contact you by email, phone or text about your request and, with your consent, about insurance, Medicare and legacy-planning topics. Marketing emails include an unsubscribe link, and you may opt out of marketing communications at any time. Message and data rates may apply for texts. See our Privacy Policy for details on how we handle your information.

By checking the optional SMS consent box on our website form, you agree to receive text messages from Legacy & Love Insurance Group at the mobile number you provide.

Types of messages: responses to your inquiries, information you requested, appointment confirmations and reminders, and other service-related communications.

Message frequency varies.

Message and data rates may apply.

Reply STOP at any time to opt out of text messages.

Reply HELP for assistance.

Consent to receive text messages is not a condition of purchase and is not required to use this Website or work with us. Mobile information and SMS consent are not sold or shared with third parties for their marketing or promotional purposes; see our Privacy Policy.

The Website and its content, including text, graphics, logos, page design and the arrangement of content, are owned by Legacy & Love Insurance Group or our licensors and are protected by intellectual property laws. You may view and print pages for your personal, non-commercial use. Any other use requires our prior written consent. "Legacy & Love" and our logo are our trademarks; nothing in these Terms grants you any right to use them.

THE WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, OR THAT ANY INFORMATION ON IT IS COMPLETE, CURRENT OR APPLICABLE TO YOUR SITUATION. INSURANCE PRODUCTS AND AVAILABILITY CHANGE FREQUENTLY; ALWAYS CONFIRM DETAILS WITH US OR THE CARRIER BEFORE MAKING DECISIONS.

TO THE FULLEST EXTENT PERMITTED BY LAW, LEGACY & LOVE, ITS OWNER, EMPLOYEES AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA OR OPPORTUNITY, ARISING FROM OR RELATED TO YOUR USE OF THE WEBSITE OR RELIANCE ON ITS CONTENT. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE WEBSITE IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

You agree to indemnify and hold harmless Legacy & Love and its owner, employees and affiliates from claims, damages, liabilities and expenses (including reasonable attorneys' fees) arising from your misuse of the Website, your violation of these Terms, or information you submit that is false, unlawful or infringing.

These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of the Website will be resolved in the state or federal courts located in Pennsylvania, and you consent to their jurisdiction.

We may update these Terms of Use from time to time. The "last updated" date at the top of this page shows the current version. Your continued use of the Website after changes are posted means you accept the updated Terms.

Questions about these Terms? Email info@legacyandlovegroup.com.