ALG Life Insurance — Terms and Conditions

Effective Date: October 21, 2026

These Terms and Conditions govern your use of https://alglifeinsurance.com and participation in the ALG Life Insurance SMS messaging program.

1. SMS Messaging Terms

Program Description

ALG Life Insurance sends appointment confirmations, reminders, rescheduling updates, insurance quote follow-ups, application updates, policy-related communications, and customer support messages to customers who have consented to receive them.

With appropriate marketing consent, we may also send promotional messages about our life insurance and final expense insurance services.

Opt-In and Consent

Customers enroll through a dedicated SMS consent checkbox on our website forms. Marketing consent is obtained separately from consent for informational messages.

Consent to receive marketing text messages is not a condition of purchasing insurance. Providing your telephone number or using our website does not, by itself, constitute marketing consent.

Cancellation Instructions

You may cancel SMS messages at any time by replying STOP to the number that sent the message.

You may receive one final confirmation of your unsubscribe request. After that, no further messages will be sent through the program unless you opt in again.

To rejoin, complete the opt-in process again.

Help and Support

Reply HELP for assistance, email [email protected], or call (469) 840-1509.

Message Frequency and Charges

Message frequency varies based on your appointments, requests, and interactions with ALG Life Insurance.

Message and data rates may apply to messages sent and received. Contact your wireless provider with questions about your messaging or data plan.

Carrier Liability and Availability

Carriers are not liable for delayed or undelivered messages. Delivery depends on your wireless carrier and network availability and is not guaranteed.

Age Requirement

You must be at least 18 years old to participate in our SMS program.

SMS Privacy

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

For further information, review our Privacy Policy:

https://alglifeinsurance.com/privacy-policy

2. General Website Terms

This website is operated by ALG Life Insurance (“we,” “us,” or “our”).

By using the website, you agree to these Terms and Conditions. If you do not agree, discontinue use of the website.

You agree to use the website lawfully and not to submit fraudulent information, interfere with website operations, attempt unauthorized access, or infringe on the rights of others.

Accepting these Terms does not constitute consent to receive marketing text messages.

3. Insurance Information and Services

ALG Life Insurance provides information and assistance concerning life insurance and final expense insurance.

Website information does not constitute an insurance policy, a binder of coverage, or a guarantee of eligibility or approval.

Insurance rates, benefits, availability, exclusions, limitations, and eligibility requirements vary by carrier, product, state, and applicant.

Requesting a quote, submitting a form, scheduling an appointment, or receiving a message does not establish coverage.

Coverage becomes effective only according to the issuing carrier’s requirements and policy terms. The issued policy controls if it conflicts with website information.

4. Intellectual Property

Website text, graphics, logos, and design elements belong to ALG Life Insurance or are used with permission.

You may view, download, or print materials for personal, non-commercial use while retaining copyright and proprietary notices.

Except as permitted by law or with prior written permission, you may not reproduce, distribute, sell, modify, or commercially exploit website content.

5. Information You Submit

You agree to provide accurate information when requesting quotes, scheduling appointments, or seeking assistance.

Do not submit information that is unlawful, misleading, or that you are not authorized to provide.

Information you submit is handled as described in our Privacy Policy. Submission does not authorize us to publish your personal information or use it as a public endorsement.

6. Third-Party Websites and Insurance Carriers

Our website may link to insurance carriers and other third-party websites. Those websites operate under their own terms and privacy policies.

Insurance policies are issued by the applicable carrier. Premium obligations, benefits, cancellations, refunds, and claims are governed by the policy and applicable law.

7. Website Disclaimers

We make reasonable efforts to keep website information accurate and current, but errors or omissions may occur.

To the extent permitted by law, the website is provided “as is” and “as available,” without warranties regarding uninterrupted access or error-free operation.

Nothing in these Terms limits consumer or insurance protections that cannot legally be excluded.

8. Limitation of Liability

To the extent permitted by applicable law, ALG Life Insurance is not liable for indirect, incidental, special, or consequential damages arising from use of, or inability to use, this website.

This provision does not exclude liability that cannot legally be excluded or change an insurance carrier’s obligations under an issued policy.

9. Suspension or Termination

We may restrict website access when reasonably necessary to address unlawful activity, security risks, or violations of these Terms.

Restricting website access does not itself cancel an insurance policy or change rights under that policy.

10. Applicable Law

These Terms are subject to applicable United States federal and state laws, including applicable consumer protection and insurance laws.

Nothing in these Terms removes mandatory legal protections available to you.

11. Changes to These Terms

We may update these Terms periodically. The revised version will be posted on our website with an updated effective date.

Additional notice will be provided when required by law. Changes to these Terms do not independently authorize new categories of marketing messages or replace required consent.

12. Contact Us

ALG Life Insurance
Phone: (469) 840-1509
Email: [email protected]
Website: https://alglifeinsurance.com