Terms of Use

Last updated: 2026. By using this website, you agree to these terms.

1. What this website is

Lone Star Life Quotes is a marketing and referral platform. We connect Texas residents with independent, state-licensed life insurance agents, and we provide information about the agent opportunity. We are not an insurance company, agency, or agent. We do not underwrite, issue, sell, or bind insurance, and submitting a form does not create any insurance coverage.

2. No professional advice

The content on this site is general information, not financial, legal, tax, or insurance advice. Premiums, rates, product features, and any figures shown are illustrative examples and are not offers or guarantees. Always confirm specifics with a licensed agent and review actual policy documents before deciding.

3. Requesting a quote or contact

When you submit a form, you authorize us to share your information with a licensed independent agent (and any referring agent) who may contact you by phone, text, or email as described at the point of submission and in our Privacy Policy. Consent to be contacted is not a condition of purchasing anything.

4. The agent opportunity

Information about joining our team describes an independent-contractor, commission-based opportunity. Compensation is earned only on insurance products actually sold and kept in force — never for recruiting. Earnings vary widely and are not guaranteed. Any ranks, contract levels, and percentages shown are illustrative; actual terms are governed by your agent agreement and carrier schedules. See our Income Disclosure.

5. Acceptable use

• Provide accurate information and only submit your own details (or details you are authorized to share).
• Do not use the site unlawfully, attempt to disrupt it, or scrape or misuse its content.
• Do not make unauthorized income or product claims if you share our referral links as an agent.

6. Intellectual property

The site's text, design, and graphics are owned by or licensed to Lone Star Life Quotes and may not be copied or reused without permission.

7. Third-party links

We may link to third-party sites or carriers. We are not responsible for their content or practices.

8. Disclaimer & limitation of liability

The site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, Lone Star Life Quotes is not liable for any damages arising from your use of the site or from contact made by an agent following your request.

9. Changes

We may update these terms at any time. Continued use of the site means you accept the current version.