TERMS OF SERVICE
RGU Insurance Services™
Last Updated: September 4, 2026
By accessing or using this website, you agree to the following Terms of Service.
1. Educational Purpose
Information presented by RGU Insurance Services™ is provided for general educational and informational purposes. Website content should not be interpreted as a guarantee of insurance coverage, eligibility, premiums, benefits, or underwriting results.
2. No Guarantee of Coverage
Insurance products and underwriting requirements vary by insurer, product, state, age, health, and individual circumstances.
Completing a website form, watching an educational video, requesting information, or speaking with a licensed insurance agent does not guarantee that insurance coverage will be available or that an application will be approved.
3. Insurance Applications
Nothing submitted through a general website inquiry form constitutes an insurance application unless specifically identified as such. Insurance coverage is subject to the terms, conditions, eligibility requirements, and underwriting rules of the applicable insurance company and policy.
4. Licensed Insurance Services
Insurance-related discussions and services are provided only where appropriate licensing and other applicable requirements are satisfied. Product availability may vary by state.
5. No Financial, Legal or Tax Advice
Unless expressly stated otherwise, information provided through this website is not intended to constitute investment, legal, tax, accounting, or individualized financial advice. You should consult an appropriately qualified professional regarding those matters when necessary.
6. User Responsibility
You are responsible for providing accurate information when submitting inquiries or communicating with RGU Insurance Services™. You should review insurance policy documents and carrier-provided information carefully before making an insurance decision.
7. Electronic Communications
By providing your contact information and applicable consent, you authorize communications relating to your inquiry as described in the applicable form and Privacy Policy.
RGU Insurance Services™ may send SMS messages including appointment confirmations and reminders, service updates, account notifications, follow-up messages related to your inquiry, Final Expense insurance information, educational resources, available insurance options, and promotional messages when applicable consent has been provided.
Message frequency may vary. Message and data rates may apply. Reply STOP to opt out of text messages and HELP for assistance. Consent to receive text messages is not a condition of purchasing insurance.
Carriers are not liable for delayed or undelivered messages.
You must be 18 years of age or older to use this SMS service.
8. Intellectual Property
Unless otherwise stated, the RGU Insurance Services™ name, branding, educational materials, website content, graphics, and related materials are owned by or licensed to RGU Insurance Services™ and may not be reproduced or distributed without authorization.
9. Third-Party Services
Our website may use or link to third-party platforms, insurance carriers, technology providers, scheduling services, and other independent services. Those parties may maintain their own terms and privacy practices.
10. Limitation of Liability
To the extent permitted by applicable law, RGU Insurance Services™ is not responsible for losses arising solely from reliance on general educational website content. Insurance decisions should be based on the actual terms and conditions of the applicable insurance policy and carrier.
11. Changes to These Terms
We may update these Terms of Service periodically. Continued use of the website following an update constitutes acceptance of the revised terms to the extent permitted by applicable law.
12. Contact
Questions regarding these Terms may be directed to:
RGU Insurance Services™
Email: [email protected]
Website: rguinsurance.com
13. Privacy Policy
For information about how RGU Insurance Services™ collects, uses, protects, and handles personal information, including SMS consent and mobile information, please review our Privacy Policy:
https://www.rguinsurance.com/privacy_policy