Magnolia Legacy Life Effective Date: 07/01/2026  Last Updated: 07/22/2026


These Terms and Conditions ("Terms") govern your access to and use of magnolialegacylife.com (the "Site") and any related forms, communications, consultations, and services provided by Magnolia Legacy Life ("Magnolia Legacy Life," "we," "us," or "our").


By accessing the Site or submitting information to us, you agree to these Terms. If you do not agree, do not use the Site.


1. Who We Are

Magnolia Legacy Life is a licensed life insurance agency located at 50 Corona Road, East Brunswick, NJ 08816. We are licensed as an insurance producer in the State of New Jersey and North Carolina. National Producer Number 18295351


We are not an insurance carrier, bank, broker-dealer, registered investment adviser, law firm, or tax advisory firm. Insurance products described on the Site are issued and underwritten by third-party insurance companies, and all coverage decisions, policy terms, premiums, and claim determinations are made solely by the issuing carrier.

2. Eligibility

You must be at least 18 years old and legally able to enter into contracts to use the Site or request services. By using the Site, you represent that you meet these requirements and that all information you provide is accurate and complete.

3. Informational Purposes Only; No Advice

All content on the Site — including descriptions of term life, whole life, indexed universal life (IUL), and living benefit riders — is general information for educational purposes only. It is not:


  • Legal, tax, accounting, investment, or financial planning advice

  • An offer to sell or a solicitation to buy insurance in any state where we are not licensed

  • A representation that any particular product is suitable for your circumstances


Product features, availability, rates, riders, and benefits vary by carrier, state, product, age, and underwriting class, and are subject to change. Only the actual policy contract issued by the carrier governs your coverage, including all terms, exclusions, limitations, and conditions. Please consult your own attorney, tax professional, or financial advisor regarding your specific situation.

4. No Coverage Is Bound Through the Site

Submitting a form, requesting a quote, booking a consultation, or sending us a message does not create, bind, alter, or renew any insurance coverage. No coverage exists until an application is submitted, approved by the carrier, a policy is issued, and any required initial premium is paid, all in accordance with the carrier's terms. Quotes and illustrations are estimates only and are not guarantees of coverage, premium, cash value, or performance.


Do not use the Site to report a claim, request cancellation, or request any time-sensitive policy change. Contact your carrier directly, or contact us by phone or email.

5. Illustrations and Product Performance

Any illustration of cash value growth, index crediting, or policy performance is hypothetical, is based on assumptions that may change, and is not a guarantee of future results. Index-linked crediting does not represent direct investment in the stock market, and index performance does not include dividends. Caps, participation rates, spreads, fees, and charges reduce returns and may be changed by the carrier as permitted by the policy. Policy loans and withdrawals reduce cash value and death benefit and may have tax consequences or cause a policy to lapse.


Living benefit riders are optional, may not be available in all states, may cost extra, and are subject to eligibility requirements and specific definitions of terminal, chronic, and critical illness set by the carrier. Accessing living benefits reduces the death benefit available to your beneficiaries.

6. Consultations and Appointments

Consultations are provided at no cost and create no obligation to purchase. If we place coverage for you, we are typically compensated by commission paid by the insurance carrier. We will disclose compensation arrangements as required by law upon request.


We may reschedule or decline a consultation at our discretion. Please give reasonable notice if you need to cancel.

7. Electronic Communications and Consent to Contact

By providing your contact information, you consent to receive communications from us electronically, including by email and telephone. Where you have expressly checked the applicable consent box, you also consent to receive marketing and promotional text messages at the number provided, including messages sent using automated technology. Consent is not a condition of purchase. Message frequency varies; message and data rates may apply. Reply STOP to opt out and HELP for help. See our Privacy Policy for full details. Carriers are not liable for delayed or undelivered messages.


You agree that electronic communications and electronic signatures satisfy any legal requirement that a communication or agreement be in writing.

8. Your Responsibilities

You agree to:


  • Provide accurate, current, and complete information, including on insurance applications

  • Not misrepresent any material fact, including health, tobacco use, income, or existing coverage — misrepresentation may result in denial of a claim or rescission of a policy by the carrier

  • Use the Site only for lawful purposes

  • Not attempt to gain unauthorized access to the Site, introduce malicious code, scrape or harvest data, or interfere with the Site's operation

  • Not submit another person's personal information without their authorization

9. Intellectual Property

The Site and all content on it — including text, graphics, logos, images, layout, and the name "Magnolia Legacy Life" — are owned by Magnolia Legacy Life or its licensors and are protected by copyright, trademark, and other laws. You may view and print content for your personal, non-commercial use. Any other reproduction, distribution, modification, or commercial use requires our prior written permission.

10. Third-Party Links and Content

The Site may link to or embed third-party websites, scheduling tools, carrier portals, and application platforms. We do not control and are not responsible for their content, availability, terms, or privacy practices. Your use of those services is governed by their own terms.

11. Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY CONTENT, RATE, OR ILLUSTRATION ON THE SITE.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MAGNOLIA LEGACY LIFE AND ITS OWNERS, AGENTS, AND EMPLOYEES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR OUR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.


OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).


WE ARE NOT LIABLE FOR THE ACTS, OMISSIONS, UNDERWRITING DECISIONS, CLAIM DECISIONS, OR FINANCIAL CONDITION OF ANY INSURANCE CARRIER.


NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR FRAUD OR WILLFUL MISCONDUCT.

13. Indemnification

You agree to indemnify and hold harmless Magnolia Legacy Life and its owners, agents, and employees from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your misuse of the Site, your violation of these Terms, your violation of any law, or any inaccurate or incomplete information you provide.

14. Governing Law and Venue

These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Site will be brought exclusively in the state or federal courts located in Middlesex County, New Jersey, and you consent to personal jurisdiction and venue in those courts.


Nothing in these Terms limits any right you have to file a complaint with the New Jersey Department of Banking and Insurance or any other regulator.

15. Changes to These Terms and to the Site

We may modify these Terms at any time by posting an updated version on this page with a new "Last Updated" date. Your continued use of the Site after posting constitutes acceptance. We may also change, suspend, or discontinue any part of the Site at any time without notice.

16. Severability and Waiver

If any provision of these Terms is found unenforceable, that provision will be limited or severed and the remaining provisions will remain in full force. Our failure to enforce any provision is not a waiver of our right to enforce it later.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Magnolia Legacy Life regarding the Site. They do not modify the terms of any insurance policy, which are governed solely by the policy contract.

18. Contact

Magnolia Legacy Life 50 Corona Road East Brunswick, NJ 08816 [email protected]