Terms & Conditions

Agreement to Terms

By accessing and using the Royalty Life Insurance website and services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our website or services.

Services Provided

Royalty Life Insurance provides life insurance brokerage services, including but not limited to:

Personalized life insurance quotes and consultations
Access to multiple insurance carriers and policy options
Assistance with insurance application processes
Ongoing policy support and customer service
Travel rewards program benefits for policyholders

We act as an independent insurance agent/broker and represent multiple insurance carriers. We are not an insurance company and do not underwrite, issue, or guarantee insurance policies.

Consultation and Quote Process

When you schedule a consultation with us:

All consultations are provided free of charge with no obligation to purchase
You authorize us to contact you via phone, email, or text message at the contact information provided
Information you provide will be used to generate accurate insurance quotes and recommendations
Quotes are estimates based on information provided and are subject to underwriting approval
Final policy terms, rates, and coverage are determined by the insurance carrier

Accuracy of Information

You agree to provide accurate, complete, and truthful information when:

Requesting quotes or scheduling consultations
Completing insurance applications
Communicating about your health, lifestyle, and insurance needs

Providing false or misleading information may result in denial of coverage, policy cancellation, or claim denial by the insurance carrier. We are not responsible for consequences arising from inaccurate information provided by you.

Travel Rewards Program

Eligible policyholders may receive access to complimentary hotel stay vouchers at participating destinations worldwide:

Travel rewards are provided through a third-party program and are subject to that program's terms and conditions
Availability of destinations and accommodations may vary and is subject to change
Travel rewards are complimentary hotel stays only and do not include airfare, meals, or other travel expenses
Blackout dates, booking restrictions, and other limitations may apply
Travel rewards have no cash value and cannot be sold or transferred
Eligibility for travel rewards depends on policy status and carrier participation

Royalty Life Insurance is not responsible for the administration, fulfillment, or quality of the travel rewards program. All questions and issues regarding travel rewards should be directed to the program administrator.

Fees and Commissions

Our consultation and quote services are provided at no cost to you. As an independent insurance broker, we receive commissions from insurance carriers when policies are issued. These commissions do not increase the cost of your insurance premium.

Website Use and Restrictions

You agree not to:

Use our website for any unlawful purpose
Attempt to gain unauthorized access to our systems or networks
Interfere with or disrupt the website or servers
Transmit viruses, malware, or other harmful code
Collect or harvest information from our website using automated means
Impersonate any person or entity or misrepresent your affiliation

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Royalty Life Insurance or its content suppliers and is protected by copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

Third-Party Links and Services

Our website may contain links to third-party websites or services, including insurance carrier websites and the travel rewards program. We are not responsible for the content, accuracy, privacy practices, or terms of use of any third-party sites. Your use of third-party sites is at your own risk.

Disclaimers and Limitations of Liability

Our website and services are provided "as is" without warranties of any kind, either express or implied. To the fullest extent permitted by law:

We do not warrant that our website will be uninterrupted, error-free, or secure
We are not liable for any direct, indirect, incidental, consequential, or punitive damages
We are not responsible for insurance carrier decisions, policy terms, or claim outcomes
Information on our website is for general informational purposes and should not be considered professional advice

Some jurisdictions do not allow limitations on implied warranties or liability, so these limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless Royalty Life Insurance, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of our services, violation of these terms, or infringement of any rights of another party.

Communication Consent & SMS Program

By providing your contact information and scheduling a consultation, you consent to receive communications from Royalty Life Insurance via:

Phone calls (including autodialed and prerecorded calls)
Text messages (SMS)
Email correspondence

SMS Program Description: Royalty Life Insurance uses SMS (text messaging) to send appointment reminders, consultation confirmations, follow-up communications, policy updates, promotional offers, alerts, and other informational notifications related to your life insurance inquiry or active policy. Message frequency may vary based on your interactions with us.

How to Opt Out: To stop receiving messages, reply STOP to any text message. You may opt out of SMS communications at any time by replying STOP to any text message you receive from us. After texting STOP, you will receive a final confirmation message and no further SMS messages will be sent to your number. You may also opt out of marketing communications by following the unsubscribe instructions in emails or by contacting us directly.

Support Contact: If you need help or have questions about our SMS program, reply HELP to any text message or contact us at [email protected].

Message & Data Rates: Standard message and data rates may apply to all SMS messages sent and received. Please check with your mobile carrier for details regarding your plan's messaging rates.

Carrier Liability Disclaimer: Carriers are not liable for delayed or undelivered messages. Mobile carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission from your network operator. Royalty Life Insurance is not responsible for any delays or failures in the delivery of text messages caused by your mobile carrier or network conditions.

Age Restriction: You must be 18 years of age or older to use this SMS service. By opting in to receive SMS communications from Royalty Life Insurance, you confirm that you are at least 18 years old.

Privacy Policy: Your privacy is important to us. The personal information you provide, including your phone number, will be handled in accordance with our Privacy Policy. We do not sell or share your phone number with third parties for their own marketing purposes.

State Licensing

Natalie Navarro is a licensed insurance agent authorized to sell life insurance products in multiple states. Insurance products and availability may vary by state. All insurance transactions are subject to state insurance laws and regulations.

Dispute Resolution and Governing Law

These Terms and Conditions are governed by the laws of the United States and the state in which you reside. Any disputes arising from these terms or our services will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the modified terms.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Royalty Life Insurance regarding the use of our website and services.