Terms and Conditions
Effective Date: October 7, 2025
Last Updated: October 7, 2025
1. ACCEPTANCE OF TERMS
By accessing or using HoneyCover.com, submitting any information, or clicking "I Agree," "Submit," or similar buttons, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, immediately discontinue use.
2. NATURE OF SERVICE
2.1 Business Model
HoneyCover.com is a lead generation platform operated by Legacy Life Partners LLC. We provide two services:
Lead Generation Service (All 50 States): We collect consumer information and connect consumers with licensed insurance agents, brokers, and carriers ("Insurance Partners") nationwide who will contact you to provide quotes.
Direct Insurance Sales (Limited States): Legacy Life Partners LLC is a licensed insurance producer in certain states where we may sell Indexed Universal Life (IUL) and life insurance products directly to you.
2.2 Important Disclosures
NOT INSURANCE ADVICE: Information on our website is for general purposes only, not professional insurance advice.
NO GUARANTEES: Quotes are preliminary and non-binding. Actual coverage and pricing depend on underwriting.
COMPENSATION: We receive fees when referring leads to Insurance Partners and may receive commissions when selling insurance directly in states where we are licensed.
STATE LIMITATIONS: We can only sell insurance directly to you if you reside in a state where Legacy Life Partners LLC holds an active insurance producer license. In all other states, we provide lead generation services only.
2.3 Company Information
Legal Entity: Legacy Life Partners LLC
Brand Name: HoneyCover.com (a product of Legacy Life Partners LLC)
Services: Lead generation (nationwide), Insurance sales (in licensed states only)
Products: Indexed Universal Life (IUL) Insurance, Life Insurance (where licensed)
3. INFORMATION SHARING AND CONSENT
3.1 Lead Sharing
When you submit information, you authorize us to:Share your information with multiple licensed Insurance Partners in all 50 states
Sell or transfer your information for valuable consideration3.2 Communication Consent
PRIOR EXPRESS WRITTEN CONSENT
By submitting information, you consent to be contacted by Legacy Life Partners LLC (HoneyCover.com) and Insurance Partners via:Telephone calls (including automated/prerecorded calls to wireless numbers)
Text messages
EmailKey Points:Consent is not required to purchase insurance, but refusing limits our ability to connect you with partners
Message and data rates may apply
Your consent is specific to insurance-related communications3.3 Revoking Consent
Opt-Out Methods:Text: Reply "STOP" to any message
Phone: Call (727)415-1911
Email: tyler@legacyinsured.coWe process opt-outs within 10 business days. Each Insurance Partner maintains separate preferences—opt out with them directly to stop their communications.
4. ELIGIBILITY
You must be:At least 18 years old
Legally able to enter contracts
Providing accurate, complete information
A U.S. resident
Prohibited: False information, automated access, multiple duplicate requests, unlawful use, or impersonation.
5. THIRD-PARTY INSURANCE PARTNERS
Insurance Partners are independent contractors. We are NOT responsible for:Their underwriting decisions or pricing
Their customer service or claims
Their privacy practices
Any disputes between you and Insurance Partners
Their licensing status or regulatory compliance
We make no warranties about Insurance Partners' suitability, financial stability, or service quality.
6. INTELLECTUAL PROPERTY
All content on HoneyCover.com is owned by Legacy Life Partners LLC and protected by intellectual property laws. You receive a limited license for personal, non-commercial use only.
7. PRIVACY
See our Privacy Policy for details on data collection and use. Key points:We collect and share personal information with Insurance Partners nationwide
Your information may be "sold" under state privacy laws
We use cookies and tracking technologies
You have privacy rights including opt-out rights
8. ELECTRONIC SIGNATURES
By clicking action buttons, you consent to electronic transactions. Your electronic signature has the same legal effect as a handwritten signature.
9. DISCLAIMERS
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND.
We disclaim all warranties including:Merchantability and fitness for purpose
Uninterrupted or error-free service
Accuracy of quotes or informationInsurance-Specific:Quotes are estimates only, not binding offers
We don't guarantee coverage or qualification
IUL illustrations are hypothetical projections
We don't endorse specific Insurance Partners
We can only sell insurance directly in states where Legacy Life Partners LLC is licensed
10. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
We are NOT liable for:Indirect, incidental, or consequential damages
Loss of profits, data, or business opportunities
Actions or omissions of Insurance Partners
Unauthorized access to your data Total liability is limited to the greater of $100 or amounts you paid us in the prior 6 months.
11. INDEMNIFICATION
You agree to indemnify and hold us harmless from claims arising from:Your use or misuse of the Service
Your violation of these Terms
False or misleading information you provide
Your disputes with Insurance Partners
12. DISPUTE RESOLUTION
12.1 Informal Resolution
Before filing a claim, contact tyler@legacyinsured.co to attempt informal resolution within 60 days.
12.2 Binding Arbitration
Agreement to Arbitrate: Disputes will be resolved through binding individual arbitration under AAA Consumer Arbitration Rules, not in court.
Your Rights:You pay maximum $250 filing fee; we pay other arbitration costs
Arbitration in your county or via phone/video
You can opt out within 30 days by emailing tyler@legacyinsured.co12.3 Class Action Waiver
YOU WAIVE THE RIGHT TO PARTICIPATE IN CLASS ACTIONS. All disputes must be brought individually.
12.4 Exceptions
Small claims court and injunctive relief for intellectual property are exempt from arbitration.
13. MODIFICATIONS
We may modify these Terms at any time. Material changes take effect 30 days after notice via email or website posting. Continued use after changes means acceptance.
14. TERMINATION
We may suspend or terminate your access at any time. Upon termination, your right to use the Service ceases immediately.
Note: Terminating use doesn't revoke consent already provided. Follow Section 3.3 to opt out of communications.
15. GENERAL PROVISIONS
Entire Agreement: These Terms and our Privacy Policy constitute the complete agreement.
No Waiver: Our failure to enforce provisions is not a waiver.
Severability: Invalid provisions will be modified minimally to make them valid.
No Assignment: You cannot transfer these Terms without our consent.
Do Not Call Registry: By providing consent, you authorize contact even if on the Do Not Call Registry.
16. CONTACT INFORMATION
Email: tyler@legacyinsured.co
Phone: (727)415-1911
For Privacy Requests: tyler@legacyinsured.co
For Opt-Out: tyler@legacyinsured.co or reply "STOP" to texts
Company Information:
Legacy Life Partners LLC
HoneyCover.com (brand name/product)
Lead generation services available nationwide
Insurance sales available in licensed states only