Terms of Service | AssureLife โ€” Malik Bond
Legal

Terms of Service

Business: AssureLife  ยท  Broker: Malik Bond, NPN# 20789023
Effective Date: January 1, 2025  ยท  Last Updated: May 9, 2026

Please read these Terms of Service carefully before using the AssureLife website or scheduling a consultation. By using our website or services, you agree to be bound by these terms.

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of the AssureLife website located at gold.assurelife.solutions and any related services offered by Malik Bond, a licensed independent insurance broker operating under the business name AssureLife (NPN# 20789023).

By accessing our website, booking a consultation, submitting a form, or communicating with us via phone, email, or SMS, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, please do not use our website or services.

2. Services Provided

AssureLife provides independent life insurance brokerage services. As an independent broker, Malik Bond represents the interests of clients โ€” not any single insurance carrier. Our services include:

  • Free consultations to assess your life insurance needs
  • Comparison of rates and coverage options across 40+ A-rated insurance carriers
  • Assistance with insurance applications and underwriting
  • Policy reviews and ongoing client support
  • Educational resources about life insurance products

All insurance products are subject to carrier underwriting approval. Coverage availability, rates, and eligibility vary by state and individual health history. Nothing on this website constitutes a binding insurance contract or guarantee of coverage.

3. No Guaranteed Outcomes

The information provided on this website is for general educational purposes only. While we strive to present accurate and up-to-date information about life insurance products, we do not guarantee any specific rates, coverage amounts, or approval outcomes.

Insurance eligibility and pricing are determined by individual carriers based on factors including age, health history, state of residence, and the specific product applied for. Any quotes or estimates provided during a consultation are subject to full carrier underwriting review.

AssureLife is not a legal or financial advisor. The information on this website does not constitute legal, tax, or financial advice. Please consult appropriate professionals for advice specific to your situation.

4. SMS Communications Terms

๐Ÿ“ฑ Text Message Program Terms

By providing your mobile phone number and submitting any form on our website, booking an appointment, or otherwise consenting to receive text messages, you agree to the following:

  • Program Description: AssureLife may send you SMS/text messages including appointment confirmations, reminders, follow-up messages, and insurance-related educational content.
  • Sender: Messages will be sent from AssureLife, operated by Malik Bond (478-309-8962), McPherson, KS 67460.
  • Message Frequency: Message frequency varies based on your inquiry and appointment schedule.
  • Message & Data Rates: Standard message and data rates may apply. Contact your mobile carrier for details.
  • Opt-Out: Reply STOP to any message at any time to unsubscribe. You will receive one confirmation message and no further messages will be sent.
  • Help: Reply HELP to any message or contact us at [email protected] or 478-309-8962.
  • Not a Condition of Service: Consent to receive SMS messages is never required as a condition of purchasing insurance or receiving a consultation.
  • Supported Carriers: Major US carriers are supported. Carrier availability may vary.

For our full privacy practices including how we handle your phone number, see our Privacy Policy.

5. User Conduct

When using our website or communicating with us, you agree not to:

  • Provide false, misleading, or fraudulent information in any form or consultation
  • Use our website for any unlawful purpose
  • Attempt to gain unauthorized access to any portion of our website or systems
  • Interfere with the proper functioning of the website
  • Impersonate any person or entity

We reserve the right to refuse service to anyone who violates these Terms or engages in conduct that we determine, in our sole discretion, to be harmful, fraudulent, or unlawful.

6. Intellectual Property

All content on this website โ€” including text, images, logos, graphics, and design โ€” is the property of AssureLife or its licensors and is protected by applicable copyright and intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent. You may share links to our website for personal, non-commercial purposes.

7. Third-Party Links & Tools

Our website contains links to third-party websites, including state insurance department license verification portals and carrier websites. These links are provided for your convenience and informational purposes only.

AssureLife does not control, endorse, or assume responsibility for the content, privacy practices, or accuracy of any third-party website. Your use of third-party sites is subject to their respective terms and policies.

8. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. AssureLife makes no warranties that:

  • The website will be uninterrupted, error-free, or secure
  • The information on the website is complete, accurate, or current
  • Any particular insurance product will be available or approved for you

We reserve the right to modify, suspend, or discontinue any aspect of the website at any time without notice.

9. Limitation of Liability

To the fullest extent permitted by law, AssureLife and Malik Bond shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services, including but not limited to:

  • Loss of data or information
  • Reliance on information provided on the website
  • Denial of coverage by an insurance carrier
  • Interruption or unavailability of the website

Our total liability to you for any claim arising from these Terms or your use of our services shall not exceed the amount of fees, if any, paid by you to AssureLife in the twelve months preceding the claim.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Kansas, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in McPherson County, Kansas.

11. Changes to Terms

We reserve the right to update these Terms of Service at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of our website or services after changes are posted constitutes your acceptance of the updated Terms.

We encourage you to review these Terms periodically to stay informed of any updates.

12. Contact Us

If you have questions about these Terms of Service, please contact us:

AssureLife โ€” Malik Bond
Licensed Insurance Broker ยท NPN# 20789023

๐Ÿ“ McPherson, KS 67460

๐Ÿ“ž 478-309-8962

๐Ÿ“ง [email protected]

๐ŸŒ gold.assurelife.solutions