The rules, in plain English.

These terms apply when you use our website, submit your information through any of our forms, talk to the Legacy Concierge, book a call, or receive calls and texts from Herron & Co. Legacy Agency. If you don't agree with them, please don't use our services.

We provide information and consultation regarding life insurance and financial protection products, including mortgage protection, indexed universal life, hybrid long-term care, final expense, fixed annuities, disability insurance, and standard term and whole life.

We are not a government agency, and we are not affiliated with or endorsed by any government agency. Product availability varies by state and is subject to carrier underwriting.

Any information provided through our website, our written materials, or the Legacy Concierge is general information only — not individualized financial, legal, or tax advice. For advice about your specific situation, speak with a licensed agent, and consult your own tax or legal professional where appropriate.

Submitting your information does not guarantee approval for any insurance product. All coverage is subject to underwriting and carrier approval. Quotes, estimates, and any figures shown on our website — including the estimate studio — are illustrative and are not an offer of coverage or a quoted rate. Actual premiums, rates, and benefits are determined solely by the issuing carrier and vary by state, health class, and product.

By submitting your contact information, you consent to be contacted by phone calls, text messages (SMS/MMS), and automated systems — including automated technology, pre-recorded messages, or an AI voice — at the number you provided. Message frequency varies. Message and data rates may apply.

Consent is not a condition of purchase.

How to stop, and how to get help

If you are experiencing issues with the messaging program, reply with the keyword HELP for more assistance, or contact us directly using the details above.

For the full picture of how we handle your information, see our Privacy Policy.

You agree that:

• The information you provide is accurate
• You are at least 18 years old
• You are requesting information voluntarily
• The phone number you provide is one you own or are authorized to give consent for

Accuracy matters more here than on most websites. Materially false information on an insurance application is a fraudulent insurance act — see the fraud notice in our Pennsylvania insurance notice.

You agree not to use our forms or services for fraudulent or false submissions, or to submit another person's information without their permission. We may decline service, remove submissions, or report activity as required by law.

We may use third-party tools such as CRM systems, SMS providers, scheduling software, AI service providers, and online application platforms to operate our business. Those services operate under their own terms and privacy policies, which we don't control. Where you buy coverage online through a partner platform, that platform's terms govern that transaction in addition to these.

To the fullest extent permitted by law, we are not responsible for any damages resulting from use of our website, our services, or our communications. Nothing in these terms limits any liability that cannot be limited under applicable law, and nothing here affects the terms of an issued insurance policy — those are governed by the policy contract and the issuing carrier.

We may update these terms at any time. The current version is marked by the effective date shown at the top of this page. Continued use of our services means you accept the updated terms.