Agreement to Terms
By accessing and using the Royalty Life Insurance website and services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please discontinue use of our website and services immediately.
Services Provided
Royalty Life Insurance provides comprehensive life insurance brokerage services, including but not limited to:
- Personalized life insurance quotes and private consultations
- Access to multiple premium insurance carriers and policy options
- Expert assistance with insurance application processes
- Ongoing policy support and dedicated customer service
- Exclusive travel rewards program benefits for qualifying policyholders
We act as an independent insurance agent and broker representing multiple insurance carriers. We are not an insurance company and do not underwrite, issue, or guarantee insurance policies directly.
Consultation and Quote Process
When you schedule a consultation with Royalty Life Insurance:
All consultations are provided free of charge with no obligation to purchase
You authorize us to contact you via phone, email, or text message at the contact information provided
Information you provide will be used to generate accurate insurance quotes and personalized recommendations
Quotes are estimates based on the information provided and remain subject to underwriting approval by the carrier
Final policy terms, premium rates, and coverage details are determined solely by the insurance carrier
Accuracy of Information
You agree to provide accurate, complete, and truthful information when requesting quotes, scheduling consultations, completing insurance applications, and communicating about your health, lifestyle, and insurance needs.
Providing false or misleading information may result in denial of coverage, policy cancellation, or claim denial by the insurance carrier. Royalty Life Insurance is not responsible for consequences arising from inaccurate information provided by you.
Important: All insurance policies are subject to approval by the insurance carrier. Royalty Life Insurance does not guarantee acceptance, specific policy terms, or particular premium rates.
Travel Rewards Program
Eligible policyholders may receive access to complimentary hotel stay vouchers at participating luxury destinations worldwide. Please note the following conditions:
- Travel rewards are provided through a third-party program and are subject to that program's own terms and conditions
- Availability of destinations and accommodations may vary and is subject to change without notice
- Travel rewards cover complimentary hotel stays only and do not include airfare, meals, transportation, or other travel expenses
- Blackout dates, advance booking requirements, and other restrictions may apply
- Travel rewards have no cash value and cannot be sold, exchanged, or transferred to another party
- Eligibility for travel rewards depends on active policy status and carrier participation requirements
Royalty Life Insurance is not responsible for the administration, fulfillment, or quality of the travel rewards program. All questions and issues regarding travel rewards should be directed to the program administrator.
Fees and Commissions
Our consultation and quote services are provided at no cost to you. As an independent insurance broker, we receive commissions from insurance carriers when policies are issued. These commissions do not increase the cost of your insurance premium and are standard practice in the insurance industry.
Website Use and Restrictions
You agree not to:
- Use our website for any unlawful or unauthorized purpose
- Attempt to gain unauthorized access to our systems, networks, or data
- Interfere with or disrupt the website, servers, or connected networks
- Transmit viruses, malware, or other harmful code through our platform
- Collect or harvest information from our website using automated means without permission
- Impersonate any person or entity or misrepresent your affiliation with any party
Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Royalty Life Insurance or its content suppliers and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.
Third-Party Links and Services
Our website may contain links to third-party websites or services, including insurance carrier websites and the travel rewards program platform. We are not responsible for the content, accuracy, privacy practices, or terms of use of any third-party sites. Your use of third-party sites is at your own risk, and we encourage you to review their respective policies.
Disclaimers and Limitations of Liability
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law:
- We do not warrant that our website will be uninterrupted, error-free, or completely secure at all times
- We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from use of our services
- We are not responsible for insurance carrier decisions, policy terms, underwriting outcomes, or claim results
- Information on our website is for general informational purposes only and should not be considered professional financial, legal, or tax advice
Some jurisdictions do not allow limitations on implied warranties or liability, so these limitations may not apply to you.
Indemnification
You agree to indemnify, defend, and hold harmless Royalty Life Insurance, its officers, directors, employees, and agents from any and all claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of our services, violation of these terms, or infringement of any rights of another party.
Communication Consent & SMS Program
By providing your contact information and scheduling a consultation, you consent to receive communications from Royalty Life Insurance via phone calls (including autodialed and prerecorded calls), text messages (SMS), and email correspondence.
SMS Program Description
Royalty Life Insurance uses SMS (text messaging) to send appointment reminders, consultation confirmations, follow-up communications, policy updates, promotional offers, alerts, and other informational notifications related to your life insurance inquiry or active policy. Message frequency may vary based on your interactions with us.
How to Opt Out
To stop receiving text messages, reply STOP to any text message you receive from us. After texting STOP, you will receive a final confirmation message and no further SMS messages will be sent to your number.
Support Contact
If you need help or have questions about our SMS program, reply HELP to any text message or contact us at [email protected].
Message & Data Rates
Standard message and data rates may apply to all SMS messages sent and received. Please check with your mobile carrier for details regarding your plan's messaging rates.
Carrier Liability Disclaimer
Mobile carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission from your network operator.
Age Restriction
You must be 18 years of age or older to use this SMS service. By opting in to receive SMS communications from Royalty Life Insurance, you confirm that you are at least 18 years old.
Privacy
Your privacy is important to us. The personal information you provide, including your phone number, will be handled in accordance with our Privacy Policy. We do not sell or share your phone number with third parties for their own marketing purposes.
State Licensing
Natalie Navarro is a licensed insurance agent authorized to sell life insurance products in multiple states. Insurance products and availability may vary by state. All insurance transactions are subject to applicable state insurance laws and regulations.
Dispute Resolution and Governing Law
These Terms and Conditions are governed by the laws of the United States and the state in which you reside. Any disputes arising from these terms or our services will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by applicable law.
Severability
If any provision of these Terms and Conditions is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect.
Changes to Terms
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website with an updated "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Royalty Life Insurance regarding the use of our website and services, superseding any prior agreements or understandings.
Questions About These Terms?
If you have any questions or concerns regarding these Terms and Conditions, please contact us: