Effective Date: 11/10/2025
Provider: ATAP Legacy Consulting, a licensed life insurance agency located at [Insert Address].
1. Introduction
Welcome to ATAP Legacy Consulting (“we,” “us,” or “our”).
These Terms of Service (“Terms”) govern your access to and use of our website, digital platforms, and life insurance–related services (collectively, the “Services”). By engaging with our Services, requesting a quote, submitting an application, or purchasing a policy, you agree to be bound by these Terms and our Privacy Policy.
If you do not agree with these Terms, please do not use our Services.
2. Description of Services
ATAP Legacy Consulting provides life insurance and financial protection services, including:
Life insurance quotes, education, and consultations
Policy selection and application submission to licensed carriers
Assistance with underwriting, servicing, and claims support
Policy reviews and benefit explanations
We act as a licensed life insurance agency and/or broker, working on your behalf to find a policy that best fits your financial goals and protection needs.
3. Eligibility and Application Requirements
You must be at least 18 years of age (or the legal age of majority in your state) to apply for or purchase any insurance product.
You agree to provide accurate, complete, and truthful information during your consultation and application process.
Submitting an application does not guarantee approval or policy issuance — all final decisions are made by the insurance carrier.
Misrepresentation or omission of facts can result in denial, cancellation, or rescission of your policy.
4. Premiums, Payments, and Fees
Premium amounts, payment schedules, and grace periods are set by the issuing insurance carrier and detailed in your policy contract.
You are responsible for ensuring timely premium payments to maintain your coverage.
If a payment is missed, your policy may lapse or terminate, in accordance with the policy’s provisions.
ATAP Legacy Consulting may receive compensation (commissions or fees) from the insurance carrier for placing your policy. Any applicable fees will be disclosed in writing prior to purchase.
5. Policy Ownership and Cancellation
You may cancel your policy at any time by contacting the insurance carrier directly or through ATAP Legacy Consulting.
Policy cancellations, refunds, or reinstatements are governed by the carrier’s rules and state regulations.
If your policy lapses, you may lose coverage and all associated benefits.
6. Limitation of Liability
ATAP Legacy Consulting acts solely as an intermediary between you and licensed insurance carriers. We do not issue, underwrite, or guarantee any policy or benefit.
To the fullest extent permitted by law:
ATAP Legacy Consulting is not liable for indirect, incidental, special, or consequential damages, including loss of profits, data, or coverage.
Our total liability for any claim related to our Services shall not exceed the greater of (a) $1,000 or (b) the total amount of fees paid to ATAP Legacy Consulting in the six (6) months prior to the claim.
All claims, benefits, and coverage terms are governed solely by the official policy contract issued by the insurance carrier.
7. Privacy and Communication Consent
Your personal information is handled in accordance with our Privacy Policy [link here].
By providing your contact information, you consent to receive communications (including emails, calls, or text messages) related to your inquiry, policy, or related services.
You may opt out of marketing communications at any time by replying STOP to text messages or emailing us at [Insert Support Email].
Opting out of marketing messages does not affect your ability to receive important policy or service notifications.
8. Compliance and Licensing
ATAP Legacy Consulting operates in accordance with all applicable federal and state insurance laws and maintains all required licenses in the states where we conduct business.
We may verify your eligibility or licensing information to ensure compliance with state regulatory requirements.
9. Amendments to These Terms
We may update or modify these Terms at any time to reflect changes in business operations, regulations, or legal requirements.
If significant changes are made, we will provide notice by email or by posting the updated Terms on our website.
Continued use of our Services after the effective date of any update constitutes your acceptance of the revised Terms.
10. Governing Law
These Terms are governed by and construed under the laws of the State of [Insert State], without regard to conflict-of-law principles.
You agree that any disputes shall be resolved exclusively in the state or federal courts located in [Insert County, State].
11. Entire Agreement
These Terms, along with your policy documents and our Privacy Policy, constitute the entire agreement between you and ATAP Legacy Consulting regarding your use of our Services.
If any provision of these Terms is found invalid, the remaining provisions shall remain in full effect.
12. Contact Us
If you have questions about these Terms or your policy, please contact:
ATAP Legacy Consulting
[Insert Business Address]
Phone: [Insert Phone Number]
Email: [Insert Support Email]
Website: [Insert Website URL]
13. Marketing and Opt-Out Policy
ATAP Legacy Consulting may contact you about insurance products, updates, or offers that may benefit you.
You may opt out at any time by following the unsubscribe instructions in any message or contacting us directly.