Effective Date: July 5, 2026
Welcome to Life Guard Financial ("we," "us," or "our"). By visiting our website, submitting a quote request, or otherwise contacting us, you agree to the following Terms & Conditions. Please read them carefully.
Services. Life Guard Financial is an independent life insurance agency that helps consumers compare and apply for final expense and life insurance products. We are not an insurance carrier; we work with licensed carriers to help match consumers with coverage options.
Eligibility. You must be at least 18 years old to submit a quote request or receive communications from us. By submitting your information, you represent and warrant that you are 18 years of age or older.
2. Communications and SMS Consent. By submitting your phone number through our Facebook Lead Ad forms or website quote request forms, you consent to receive calls and text messages (SMS) from Life Guard Financial and Andrew Hearn, including appointment scheduling, quote follow-up, and policy information. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or reply HELP for help. Consent to receive SMS messages is not a condition of purchasing any goods or services. Carriers, wireless providers, and mobile carriers are not liable for delayed or undelivered messages.
Privacy Policy. Please review our Privacy Policy at https://lifeguardfinancials.com/privacy-policy to understand how we collect, use, and protect your information.
3. No Guarantee of Coverage. Submitting a quote request does not guarantee approval or issuance of any insurance policy. All coverage is subject to underwriting approval by the applicable insurance carrier.
4. Accuracy of Information. You agree to provide accurate and truthful information when requesting a quote. We are not responsible for delays or denial of coverage resulting from inaccurate information you provide.
5. Intellectual Property. All content on this site, including text, graphics, and logos, is the property of Life Guard Financial and may not be reproduced without permission.
6. Limitation of Liability. Life Guard Financial is not liable for any indirect, incidental, or consequential damages arising from your use of our website or services.
7. Changes to These Terms. We may update these Terms & Conditions from time to time. Continued use of our website or services after changes are posted constitutes acceptance of the revised terms.
8. Contact Us. If you have questions about these Terms & Conditions, please contact Andrew Hearn at [email protected] or (240) 577-4035.