Please read these Terms and Conditions carefully before using the Legacy Prosper Solutions LLC website or any services offered through it. By accessing our website or submitting a quote request, you agree to be bound by these terms. If you do not agree, please do not use our site or services.
1. About Legacy Prosper Solutions
Legacy Prosper Solutions LLC is an independent life insurance agency. We help individuals and families compare life insurance products from multiple A-rated carriers and connect them with coverage that fits their needs and budget.
We are not an insurance carrier. We act as an intermediary between clients and insurance companies. All policies are issued and underwritten by the respective insurance carriers, subject to their individual terms, conditions, and underwriting requirements.
2. Use of This Website
By using this website, you agree to:
- Use the site only for lawful purposes and in a manner consistent with all applicable laws and regulations
- Provide accurate and truthful information when submitting quote requests or contact forms
- Not attempt to gain unauthorized access to any portion of the site or its related systems
- Not use the site in any way that could damage, disable, or impair its functionality
We reserve the right to terminate access for any user who violates these terms.
3. Informational Purpose Only
The content on this website — including quotes, articles, estimates, and descriptions of insurance products — is provided for general informational purposes only. It does not constitute financial, legal, or tax advice.
Insurance quote estimates generated through this site are not binding offers of coverage. Final rates, terms, and eligibility are determined by the insurance carrier based on underwriting review of the complete application.
We strongly encourage you to consult with a licensed professional before making any financial or insurance-related decisions.
4. Quote Requests and Applications
When you submit a quote request through our website, you authorize Legacy Prosper Solutions LLC to:
- Use the information provided to generate insurance quotes on your behalf
- Contact you by phone, email, or text message (if opted in) to discuss your quote or application
- Share necessary information with insurance carriers for the purpose of obtaining quotes or processing applications
Submitting a quote request does not obligate you to purchase any insurance product. You may withdraw your request at any time by contacting us directly.
5. Text Message Communications
By opting in to receive text messages from Legacy Prosper Solutions, you consent to receive SMS communications as described at the point of opt-in. This may include appointment confirmations, non-marketing notifications, or marketing messages regarding quotes and promotions depending on the opt-in selected.
- Message frequency varies based on your inquiry and preferences
- Message and data rates may apply depending on your mobile carrier
- Reply STOP at any time to opt out of text messages
- Reply HELP for assistance
- Carriers are not liable for delayed or undelivered messages
- You must be 18 years of age or older to use this SMS service
Opting out of text messages will not affect your ability to receive a quote or use our services.
6. Accuracy of Information
We strive to ensure that all content on this website is accurate and up to date. However, Legacy Prosper Solutions LLC makes no warranties or representations — express or implied — regarding the completeness, accuracy, or reliability of any information on the site.
Insurance products, rates, carrier availability, and eligibility requirements are subject to change at any time. We are not responsible for errors or omissions in the information provided or for any decisions made in reliance upon it.
7. Third-Party Links and Services
Our website may contain links to third-party websites or use third-party tools such as quoting platforms, analytics services, or communication providers. These third parties operate independently and are governed by their own terms and privacy policies.
Legacy Prosper Solutions LLC is not responsible for the content, accuracy, or practices of any third-party websites or services. Inclusion of a link does not imply endorsement.
8. Limitation of Liability
To the fullest extent permitted by applicable law, Legacy Prosper Solutions LLC shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this website or reliance on any information contained herein.
This includes, but is not limited to, any loss of income, data, or business opportunity resulting from the use or inability to use this site or its services.
9. Intellectual Property
All content on this website — including text, graphics, logos, images, and design elements — is the property of Legacy Prosper Solutions LLC or its content providers and is protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, or use any content from this site for commercial purposes without prior written permission from Legacy Prosper Solutions LLC.
10. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the United States and the state in which Legacy Prosper Solutions LLC is registered, without regard to conflict of law principles.
Any disputes arising from your use of this website or our services shall be resolved through good-faith negotiation. If a resolution cannot be reached, disputes may be subject to binding arbitration or the jurisdiction of the applicable courts.
11. Changes to These Terms
Legacy Prosper Solutions LLC reserves the right to update or modify these Terms and Conditions at any time. Changes will be posted on this page with an updated revision date. Your continued use of the website following any changes constitutes your acceptance of the revised terms.
We encourage you to review these terms periodically to stay informed of any updates.
12. Contact Us
If you have any questions about these Terms and Conditions or our services, please contact Legacy Prosper Solutions LLC through the contact information provided on our website. We are happy to address any concerns you may have.