Terms and Conditions
Last Updated: September 7, 2026
Please read these Terms and Conditions carefully before using the Valorium Life website or services.
These Terms and Conditions govern your access to and use of the Valorium Life website, communications, insurance information, quote-request services, appointment scheduling, and other services provided by Valorium Life.
By accessing our website, submitting information, requesting insurance information, scheduling an appointment, or otherwise using our services, you agree to these Terms and Conditions.
1. Interpretation and Definitions
Interpretation
Words with initial capital letters have meanings defined under the following conditions. These definitions apply whether the words appear in singular or plural form.
Definitions
For purposes of these Terms and Conditions:
Company, Valorium Life, We, Us, or Our refers to Valorium Life, an independent insurance brokerage or agency providing access to insurance products offered by third-party insurance carriers.
Insurance Carrier means a third-party insurance company that may underwrite, issue, administer, or provide an insurance policy presented or discussed through Valorium Life.
Insurance Product means life insurance, mortgage protection insurance, final expense insurance, or other insurance products that may be offered through licensed insurance producers associated with Valorium Life.
Service means the Website and the insurance-related information, quote assistance, appointment scheduling, communications, and other services made available by Valorium Life.
Website means the Valorium Life website, including valoriumlife.com and associated pages operated by Valorium Life.
Device means any computer, mobile phone, tablet, or other device capable of accessing the Service.
Terms means these Terms and Conditions.
You or Your means the individual accessing or using the Service or the person or legal entity on whose behalf the Service is being accessed.
2. Acknowledgment and Acceptance of Terms
These Terms govern your use of the Service and constitute an agreement between you and Valorium Life.
Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms.
By accessing or using the Service, you agree to be bound by these Terms. If you do not agree with any portion of these Terms, you should not use the Service.
You represent that you are at least 18 years old. Valorium Life does not knowingly provide its insurance consultation services directly to individuals under the age of 18.
Your use of the Service is also subject to our Privacy Policy, which describes how we collect, use, disclose, and protect personal information.
3. Independent Insurance Broker
Valorium Life operates as an independent insurance broker or agency.
Valorium Life is not an insurance company and does not itself underwrite, issue, guarantee, or insure any life insurance policy unless specifically stated otherwise.
Our licensed insurance professionals may assist consumers in reviewing insurance products offered by one or more independent insurance carriers.
The availability of any particular carrier, product, policy, benefit, coverage amount, premium, or policy feature may vary depending on:
Your state of residence
Carrier availability
Producer licensing
Age
Health
Medical history
Tobacco or nicotine use
Occupation
Lifestyle
Financial circumstances
Coverage amount requested
Insurance carrier underwriting requirements
Other factors established by the applicable insurance carrier
Valorium Life does not represent every insurance carrier or every insurance product available in the marketplace.
4. Insurance Quotes and Illustrations
Any insurance quote, premium estimate, coverage illustration, rate, or policy example provided through the Website, by telephone, by text message, by email, or during an appointment is for informational purposes unless and until confirmed by the applicable insurance carrier.
Quotes are not offers of insurance and do not guarantee coverage.
Insurance premiums and eligibility may change after an insurance carrier reviews an application and completes its underwriting process.
A preliminary quote may be based on information you provide regarding factors including your age, health, tobacco use, coverage needs, financial circumstances, and other relevant information.
Final rates and coverage are determined solely by the insurance carrier.
5. Insurance Applications and Underwriting
Submitting an insurance application does not guarantee that coverage will be issued.
Insurance applications are subject to underwriting and approval by the applicable insurance carrier.
Depending upon the insurance product and carrier, underwriting may involve evaluation of information such as:
Medical history
Prescription history
Health conditions
Medical examinations
Laboratory testing
Motor vehicle records
Financial information
Lifestyle information
Avocations or hazardous activities
Tobacco or nicotine use
Other information permitted by applicable law
Where authorization is required before information is obtained from third-party sources, appropriate authorization may be requested from you.
Valorium Life does not control the underwriting rules or final underwriting decisions of insurance carriers.
6. No Coverage Until Issued by an Insurance Carrier
Speaking with an insurance producer, requesting a quote, completing an application, providing payment information, or submitting documentation does not necessarily mean that insurance coverage is in effect.
Coverage becomes effective only according to the terms established by the applicable insurance carrier and insurance contract.
Depending on the carrier and product, coverage may require:
Approval of the application
Completion of underwriting
Payment of the required premium
Policy delivery or acceptance
Satisfaction of other carrier requirements
You should not cancel or replace existing insurance coverage solely because you have requested or applied for another policy unless you have
confirmed that replacement coverage is in force and have considered the consequences of replacing an existing policy.
7. Accuracy of Information
You agree to provide accurate, complete, and truthful information when requesting quotes, discussing insurance options, or applying for coverage.
Insurance carriers may rely upon information you provide when making underwriting decisions.
Incorrect, incomplete, misleading, or omitted information may affect:
Eligibility
Premiums
Underwriting classification
Policy issuance
Payment of benefits
Validity of coverage
You are responsible for reviewing an insurance application for accuracy before signing or submitting it.
8. Insurance Policy Controls
Information presented by Valorium Life is intended to help explain insurance products and should not replace review of the actual insurance contract.
The terms of the insurance policy issued by the applicable insurance carrier control your coverage.
If information presented on our Website, in marketing materials, in an illustration, or during a conversation differs from the terms of an issued insurance policy, the terms and conditions contained in the insurance policy and related carrier documents will govern.
You should carefully review your policy, including:
Benefits
Premiums
Exclusions
Limitations
Riders
Contestability provisions
Suicide exclusions
Policy duration
Conversion provisions
Cancellation rights
Free-look periods
Other applicable terms and conditions
Questions concerning a specific policy should be directed to your licensed insurance professional or the issuing insurance carrier.
9. Licensing and Availability
Insurance products may only be solicited, offered, or sold by appropriately licensed insurance producers and in jurisdictions where those producers and products are authorized.
The presence of information concerning an insurance product on the Website does not mean that the product is available in every state.
Products, carriers, coverage amounts, and policy features may vary by jurisdiction.
Valorium Life reserves the right to decline to provide services where appropriate licensing, carrier appointments, or product availability requirements have not been satisfied.
10. No Guarantee of Savings or Financial Outcome
Valorium Life does not guarantee that any particular insurance policy will:
Be the least expensive policy available
Provide the lowest possible premium
Be approved by an insurance carrier
Meet every financial objective
Result in any particular financial outcome
Insurance decisions should be based on your individual needs, circumstances, budget, and objectives.
Any examples discussing policy benefits, coverage amounts, or financial protection are illustrative and do not guarantee a particular result.
11. No Legal, Tax, Investment, or Accounting Advice
Unless specifically authorized and licensed to provide such services, Valorium Life does not provide legal, tax, accounting, or investment advice.
Information provided through the Service should not be interpreted as legal, tax, accounting, or investment advice.
You should consult an appropriately qualified professional regarding those matters.
12. Telephone, SMS, and Electronic Communications
By providing your contact information, you authorize Valorium Life to communicate with you regarding your insurance inquiry, appointment, application, quote request, or related services as permitted by law and according to the consent you provide.
Communications may include:
Telephone calls
Emails
SMS or text messages
Appointment reminders
Follow-up communications
Requested insurance information
Where you separately consent to receive marketing or promotional text messages, Valorium Life may send such communications consistent with that consent.
Message frequency may vary.
Message and data rates may apply.
You may reply STOP to marketing text messages to opt out of future messages from that messaging program.
You may reply HELP for assistance.
Consent to receive marketing text messages is not a condition of purchasing any property, goods, or services.
Communications may be delivered using technology that assists our representatives with contacting or following up with consumers, to the extent permitted by applicable law.
Carrier Liability
Wireless carriers are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission by your wireless service provider and may be affected by factors outside the control of Valorium Life, including network availability, device compatibility, and carrier service interruptions.
13. Privacy
Your use of the Service is subject to the Valorium Life Privacy Policy.
The Privacy Policy describes how we collect, use, disclose, maintain, and protect personal information.
By using the Service, you acknowledge that information may be provided to insurance carriers and other service providers when reasonably necessary to provide insurance quotes, process applications, perform underwriting, communicate with you, or otherwise provide requested services.
14. Third-Party Insurance Carriers and Services
The Service may contain information, links, documents, portals, products, or services provided by third parties, including insurance carriers.
Valorium Life does not own or control those third-party websites or systems.
Third-party websites and services may have their own:
Terms and conditions
Privacy policies
Security practices
Underwriting requirements
Application procedures
Your interaction with those third parties may be governed by their respective terms and policies.
Valorium Life is not responsible for the availability, operation, security, content, privacy practices, or policies of third-party websites or services.
15. Website Information
We make reasonable efforts to provide accurate information through the Website. However, insurance products, premiums, regulations, carrier requirements, eligibility criteria, and policy features may change.
We do not guarantee that all Website content will always be complete, current, or free from error.
Information presented on the Website should not be interpreted as a binding offer of insurance.
16. Prohibited Uses
You may not use the Service:
For any unlawful purpose
To submit false or fraudulent information
To impersonate another individual
To interfere with or disrupt the Website
To attempt unauthorized access to our systems
To transmit malicious software or code
To collect information about other users without authorization
To violate applicable insurance, privacy, communications, or other laws
We reserve the right to restrict or terminate access to the Service for misuse.
17. Intellectual Property
Unless otherwise indicated, the Website and its original content, branding, design, graphics, text, logos, and other materials are owned by or licensed to Valorium Life and are protected by applicable intellectual property laws.
You may use the Website for your personal, non-commercial purposes.
You may not reproduce, distribute, modify, republish, sell, or commercially exploit protected materials without prior written permission from Valorium Life or the applicable rights holder.
Names, trademarks, and logos belonging to third-party insurance carriers remain the property of their respective owners.
18. Termination
We may suspend or terminate access to the Service if you violate these Terms, misuse the Service, engage in fraudulent activity, or where suspension or termination is otherwise reasonably necessary.
Upon termination, your right to use the applicable portion of the Service will cease.
Termination of access to the Website does not alter the terms of any insurance policy already issued by an independent insurance carrier.
19. Disclaimer of Warranties
To the maximum extent permitted by applicable law, the Website and related online services are provided on an “AS IS” and “AS AVAILABLE” basis.
Valorium Life does not warrant that:
The Website will always be available
The Website will operate without interruption
The Website will be error-free
All information will always be complete or current
Website systems will be free from every harmful component
Use of the Website will produce a particular insurance or financial outcome
Nothing in this section alters any contractual rights you may have under an insurance policy issued by an insurance carrier.
20. Limitation of Liability
To the fullest extent permitted by applicable law, Valorium Life and its owners, officers, employees, contractors, agents, and service providers shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Website or Service.
Nothing in these Terms is intended to eliminate or restrict liability that cannot legally be excluded under applicable law.
Valorium Life is not responsible for insurance carrier underwriting decisions, rate changes, coverage determinations, claim decisions, or other actions made independently by an insurance carrier.
Your rights under an insurance contract remain governed by that contract and applicable law.
21. Governing Law
These Terms and your use of the Service will be governed by applicable laws of the United States and, where applicable, the laws of the state in which Valorium Life principally operates, without regard to conflict-of-law principles.
Insurance transactions may additionally be governed by the insurance laws and regulations of the state in which the insurance transaction occurs.
22. Dispute Resolution
If you have a concern or dispute regarding the Service, you agree to first make a reasonable effort to resolve the matter informally by contacting Valorium Life.
Nothing in this section limits any rights or remedies available to consumers under applicable insurance laws or regulations.
23. Severability
If any provision of these Terms is determined to be invalid or unenforceable, the provision will be interpreted or modified to accomplish its intended purpose to the greatest extent permitted by law.
The remaining provisions will continue in full force and effect.
24. Waiver
The failure of Valorium Life to exercise or enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.
A waiver of one breach does not constitute a waiver of any subsequent breach.
25. Changes to These Terms
We may update these Terms periodically to reflect changes in our business, insurance services, technology, legal requirements, or operating practices.
When changes are made, the updated Terms will be posted on the Website and the “Last Updated” date will be revised.
Your continued use of the Service after updated Terms become effective constitutes acceptance of those updated Terms.
26. Contact Us
If you have questions about these Terms and Conditions, please contact:
Valorium Life
Phone: 484-972-0093