Terms & Conditions

Effective date: [DATE] · Veteran Benefits Alliance, a program of The Lacy Agency LLC ("we," "us")

What this site is

This website is a solicitation for life insurance provided by a licensed independent insurance agent. Submitting the questionnaire requests a contact from a licensed agent; it is not an application for insurance, and it does not create coverage.

No guarantee of coverage or rates

Coverage amounts, product availability, and premiums vary by state, age, health, and carrier underwriting. Approval is not guaranteed. References to "no medical exam" describe simplified-issue products, which use health questions in place of an exam; carriers may decline or modify applications. Figures shown for government benefits and funeral costs are drawn from published sources and national averages and may vary by circumstance.

Not a government site

We are not affiliated with, endorsed by, or connected to the U.S. Department of Veterans Affairs, the Department of Defense, or any government agency, nor with USAA, Navy Federal Credit Union, or Meta Platforms, Inc.

Consent to contact

By submitting your information with the consent box checked, you give express written consent to be contacted by us at the number provided by phone call and SMS text message, including through automated technology, about life insurance options. Consent is not a condition of purchase. Reply STOP to opt out of texts at any time.

Acceptable use

You agree to submit only your own accurate information and not to interfere with the operation of this site.

Intellectual property

The content of this site belongs to us or our licensors and may not be copied for commercial use without permission.

Disclaimer and limitation of liability

This site is provided "as is." To the fullest extent permitted by law, we disclaim warranties of any kind and are not liable for indirect, incidental, or consequential damages arising from use of this site. Nothing in these terms limits rights you have under applicable insurance law.

Governing law

These terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules.

Contact

The Lacy Agency LLC · [MAILING ADDRESS] · [EMAIL] · [PHONE]