Disclaimer

1. General Information

The information provided on this website is for general informational purposes only. It should not be considered as professional insurance, financial, or legal advice.

Horus Legacy LLC is an independent licensed insurance agency. We are not employees of, or exclusively contracted with, any single insurance carrier. We represent multiple insurance carriers to help customers find coverage that fits their individual needs and budget.

2. No Guarantees

While we strive to keep information accurate and up-to-date:

• Insurance rates and availability are subject to change
• Coverage terms may vary by state and provider
• Final rates depend on individual circumstances
• Approval is not guaranteed

3. Third-Party Content

References to third-party products, services, or websites are provided for convenience only and do not constitute endorsement or approval.

4. Professional Advice

Consult with qualified professionals for advice specific to your situation before making any insurance or financial decisions.

5. Limitation of Liability

Life Insurance Services (Horus Legacy LLC) assumes no responsibility for errors or omissions in the content of this website. We reserve the right to modify content at any time without notice.

In no event shall Life Insurance Services be liable for any special, direct, indirect, consequential, or incidental damages arising out of or in connection with the use of information or services provided through this website, whether based in contract, tort, negligence, strict liability, or otherwise.

All information on this website is provided "as is" without warranty of any kind, express or implied, including but not limited to warranties of completeness, accuracy, or fitness for a particular purpose.

6. Accuracy of Information

While we make every effort to ensure accuracy:

• Information may contain technical inaccuracies or typographical errors
• We reserve the right to make changes without notice
• We do not warrant the completeness or accuracy of the information

7. Google Ads Disclaimer

Life Insurance Services is not affiliated with, endorsed by, or sponsored by Google LLC or its affiliates. Google is a trademark of Google LLC.

Life Insurance Services utilizes Google Ads to promote its services and to generate call leads. By interacting with our ads and providing your contact information, you consent to be contacted by Life Insurance Services (Horus Legacy LLC) for the purposes of insurance services. This may include calls, emails, or text messages regarding insurance quotes, policy information, and related services.

8. Data We Collect

When you interact with our website, ads, or agents, we may collect the following information:

• Full name and contact information (address, phone number, email)
• Date of birth and demographic information
• Health information including medical history and current health status
• Financial information necessary for premium payments
• Insurance policy preferences and requirements

Information is collected through online forms, phone calls, email correspondence, and interactions with our licensed agents. For full details on how we handle your data, please review our Privacy Policy.

9. Insurance Product Limitations

Insurance products have limitations, exclusions, and terms for keeping them in force. Please consult the specific policy documentation for complete details about coverage, limitations, and exclusions.

Life Insurance Services (Horus Legacy LLC) partners with 13 insurance carriers to provide coverage in 49 states (excluding New York). However, not all products are available in all states, and coverage options may vary by location.

10. State-Specific Variations

Insurance regulations, coverage options, and policy terms vary by state. The information provided on this website may not reflect the specific requirements or options available in your state.

We currently do not offer services in New York. Residents of New York should consult with insurance providers licensed in their state.

11. Final Expense Policy Limitations

Final expense insurance policies may include a graded benefit period, typically lasting up to 24 months from the policy issue date.

During the graded benefit period:

• The full death benefit may not be payable
• Benefits may be limited to a return of premiums paid, plus interest
• Specific terms vary by carrier and policy

After the graded benefit period ends, the full death benefit applies.

Applicants should review all policy documents carefully before purchasing. Contact your licensed agent for complete details on any specific policy.

12. Contact Information

For questions about this disclaimer, please contact us at:

Life Insurance Services
Phone: (800) 983-1179
Email: support@lifeinsuranceservices.com