Terms & Conditions

Last Updated: June 16, 2026

1. Acceptance of Terms

By accessing or using the SJL Insurance Agency website (sjlagency.com) and our services, you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our website or services.

These terms apply to all visitors, users, and others who access or use our website, request quotes, or communicate with us.

2. Services

SJL Insurance Agency provides independent insurance brokerage services including:

Life insurance quotes and policy placement
Annuity products and information
Disability insurance quotes and policy placement
Long-term care insurance quotes and policy placement
Insurance consultation and needs analysis

All insurance products are subject to carrier underwriting approval. Quotes provided through our website or by our agents are estimates and not guarantees of coverage or insurability. Final rates and terms are determined by the insurance carrier after full underwriting.

SJL Insurance Agency is licensed to conduct insurance business in 40+ states. If you reside in a state where we are not licensed, we cannot provide services to you.

3. SMS/MMS Communications

Program Name: SJL Insurance Agency SMS Alerts

By providing your mobile phone number and opting in, you consent to receive SMS/MMS messages from SJL Insurance Agency regarding your insurance quote requests, policy inquiries, and appointment scheduling.

Message frequency varies. You can expect to receive 1–10 messages per month.
Message and data rates may apply. Check with your mobile carrier for your plan details.
Opt-Out: You may opt out of SMS/MMS messages at any time by replying STOP to any message you receive. After opting out, you will receive a confirmation message and no further messages will be sent to your mobile number.
Help: For assistance at any time, reply HELP to any message, or contact us directly at team@sjlagency.com or call 214-272-2769.
Supported Carriers: AT&T, Verizon, T-Mobile, U.S. Cellular, and other major U.S. carriers.
Carriers are not liable for delayed or undelivered messages.

Your consent to receive SMS messages is not a condition of purchasing any goods or services. For more information about how we handle your mobile data, please see our Privacy Policy.

4. Privacy

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our website, you consent to the data practices described in the Privacy Policy.

5. No Unlawful or Prohibited Use

You agree not to use our website or services for any purpose that is unlawful or prohibited by these Terms & Conditions. You may not:

Use the website in any manner that could damage, disable, overburden, or impair our servers or networks.
Attempt to gain unauthorized access to any part of the website, accounts, or systems.
Submit false, misleading, or fraudulent information.
Use automated means (bots, scrapers, etc.) to access or collect data from the website without our prior written consent.
Violate any applicable local, state, federal, or international laws or regulations.

6. Disclaimer of Warranties

THE WEBSITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, SJL INSURANCE AGENCY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We make no warranties regarding the accuracy, completeness, or reliability of any information provided on the website.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SJL INSURANCE AGENCY AND ITS OWNERS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM OR RELATED TO YOUR USE OF THE WEBSITE OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY.

In no event shall our total aggregate liability exceed the amount paid by you, if any, for the specific service giving rise to the claim.

8. Third-Party Links and Services

Our website may contain links to third-party websites (including insurance carriers and quoting platforms) that are not owned or controlled by SJL Insurance Agency. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that SJL Insurance Agency shall not be liable for any damage or loss caused by your use of any third-party website or service.

9. Changes to Terms

We reserve the right to modify or replace these Terms & Conditions at any time at our sole discretion. Changes will be posted on this page with a revised "Last Updated" date. Your continued use of the website after any changes constitutes your acceptance of the new terms. We encourage you to review these terms periodically.

10. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising from or relating to these terms shall be resolved in the courts located in Dallas County, Texas.

11. Contact Information

If you have any questions about these Terms & Conditions, please contact us:

SJL Insurance Agency
Attn: Seth Legatowicz
Garland, Texas
📞 Office: 214-272-2769
📧 Email: team@sjlagency.com