Effective Date: July 1, 2026
Website: riveroflifeinsurance.com
Business Name: River of Life Insurance
Contact Email: info@riveroflifeinsurance.com
Welcome to riveroflifeinsurance.com, operated by River of Life Insurance. These Terms of Use govern your access to and use of this website, including any pages, forms, content, educational resources, quote requests, appointment requests, downloads, communications, and related services provided through the website.
By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use this website.
This website is intended to provide general educational information about life insurance, annuities, retirement planning, wealth strategies, legacy planning, protection planning, and related insurance services.
The information on this website is provided for general informational and educational purposes only. It is not intended to be a complete explanation of any insurance product, annuity contract, financial strategy, tax matter, legal matter, or estate planning issue.
Insurance and annuity products can involve important benefits, risks, limitations, exclusions, surrender charges, fees, tax considerations, underwriting requirements, and eligibility rules.
The content on this website does not constitute legal, tax, investment, accounting, estate planning, or financial planning advice.
River of Life Insurance is not a law firm, tax advisor, accounting firm, securities broker-dealer, investment adviser, or estate planning firm. Any information provided through this website should not be relied upon as a substitute for advice from a qualified attorney, tax professional, accountant, investment adviser, or other licensed professional.
You are responsible for consulting the appropriate professionals before making decisions involving taxes, investments, estate planning, retirement planning, legal documents, or financial strategies.
Insurance products and annuity contracts are subject to the terms, conditions, limitations, exclusions, and requirements of the issuing insurance carrier.
Product availability, features, benefits, riders, guarantees, premiums, rates, underwriting requirements, surrender periods, fees, charges, and suitability may vary by carrier, product, state, age, health, financial situation, and other factors.
Any examples, illustrations, charts, explanations, or descriptions provided on this website are for general educational purposes only and may not apply to your individual situation.
Guarantees are backed by the claims-paying ability and financial strength of the issuing insurance carrier, not by River of Life Insurance.
Submitting information through this website does not guarantee:
Insurance coverage
Policy approval
Annuity approval
A specific premium
A specific rate
A specific product
A specific underwriting class
A specific financial outcome
A specific tax result
A specific retirement income result
Acceptance by any insurance carrier
Insurance underwriting is determined by the issuing insurance carrier based on its own guidelines. Factors may include age, health history, lifestyle, occupation, finances, state of residence, product type, coverage amount, and other carrier-specific criteria.
Any quote, estimate, or illustration is subject to change and is not binding unless confirmed and issued by the applicable insurance carrier.
Any quote, projection, illustration, income example, cash value example, tax-advantaged income concept, retirement income estimate, or comparison shown on this website or provided after a website inquiry is for educational and discussion purposes only.
Actual results may vary. Insurance and annuity illustrations are based on assumptions, carrier rules, product design, rates, fees, caps, participation rates, crediting methods, expenses, policy funding, withdrawal activity, loan activity, and other variables.
Past performance, hypothetical performance, index performance, or illustrated values do not guarantee future results.
Some life insurance or annuity products may use index-linked crediting strategies. Index-linked products are not direct investments in the stock market or any index.
Depending on the product, index-linked strategies may include caps, participation rates, spreads, floors, limits, charges, surrender periods, and other restrictions.
Indexed life insurance and indexed annuities are insurance products, not securities, unless otherwise stated for a specific product type. They are not appropriate for every person or every financial situation.
Annuities are long-term insurance products designed for retirement income, accumulation, protection, or other financial planning purposes, depending on the specific contract.
Annuities may include surrender charges, withdrawal limits, tax consequences, rider fees, market value adjustments, income rider rules, and other restrictions. Early withdrawals may be subject to taxes, penalties, or surrender charges.
You should carefully review any annuity contract, disclosure, illustration, and carrier materials before making a decision.
Life insurance products may include term life, whole life, universal life, indexed universal life, final expense insurance, and other product types.
Coverage may be subject to underwriting, contestability periods, exclusions, premium requirements, policy lapse rules, loan provisions, rider limitations, and carrier-specific terms.
Permanent life insurance policies may accumulate cash value depending on product type, funding, policy expenses, crediting rates, loan activity, withdrawals, and other factors. Policy loans and withdrawals may reduce cash value, reduce death benefit, cause a policy to lapse, or create tax consequences.
Some policies may offer riders or living benefits that allow access to benefits under certain qualifying conditions. These features vary by carrier, product, state, and policy terms.
Living benefits are not a substitute for health insurance, disability insurance, long-term care insurance, or medical coverage unless specifically stated in the applicable policy documents.
Eligibility, benefit amounts, waiting periods, limitations, exclusions, and claim requirements are determined by the issuing carrier.
River of Life Insurance may provide information and services through licensed insurance agents or representatives where properly licensed and appointed.
Insurance products and services are only offered where permitted by law and where the applicable agent, agency, or carrier is properly licensed, appointed, or authorized.
Nothing on this website should be interpreted as an offer to sell, solicit, or recommend an insurance product in any jurisdiction where such offer, solicitation, or recommendation would be unlawful.
By using this website, you agree that you will:
Provide accurate and truthful information
Use the website only for lawful purposes
Not submit false, misleading, fraudulent, or unauthorized information
Not impersonate another person
Not interfere with the website’s operation or security
Not attempt to access systems, data, or accounts without authorization
Not use this website to transmit spam, malware, harmful code, or abusive content
Not copy, reproduce, or misuse website content without permission
You are responsible for any information you submit through the website.
When you submit a form, request a quote, schedule an appointment, download a resource, or otherwise provide contact information, you authorize River of Life Insurance and its representatives to contact you regarding your inquiry, requested service, quote, consultation, appointment, policy review, educational resource, or related insurance and financial services.
We may contact you by email, phone, text message, voicemail, online scheduling tools, CRM systems, or other communication methods you provide.
Message and data rates may apply for text messages. You may opt out of marketing text messages by replying STOP. You may unsubscribe from marketing emails using the unsubscribe link provided or by contacting us directly.
Submitting a form does not create a client, agent, advisory, fiduciary, or professional relationship unless and until a separate agreement or application process is completed.
Use of this website does not create a fiduciary relationship, advisory relationship, attorney-client relationship, accountant-client relationship, tax professional-client relationship, or formal financial planning relationship.
Any relationship related to insurance services begins only when agreed to by the parties and permitted under applicable law.
This website may link to or integrate with third-party websites, tools, platforms, carriers, CRMs, scheduling tools, payment processors, analytics tools, social media platforms, or other services.
River of Life Insurance is not responsible for the content, privacy practices, security, accuracy, availability, or actions of third-party websites or services.
Your use of third-party websites or services is subject to their own terms, policies, and practices.
We make reasonable efforts to keep the website available and functioning properly. However, we do not guarantee uninterrupted, error-free, secure, or virus-free access to the website.
The website may be unavailable due to maintenance, technical issues, hosting problems, security events, third-party service interruptions, or other reasons.
We may modify, suspend, discontinue, or restrict access to any part of the website at any time without notice.
All website content, including text, graphics, logos, images, illustrations, layouts, branding, downloads, educational resources, designs, videos, icons, and other materials, is owned by or licensed to River of Life Insurance unless otherwise stated.
You may view and use website content for personal, non-commercial, informational purposes only.
You may not copy, reproduce, distribute, modify, publish, display, sell, license, or create derivative works from website content without prior written permission.
If you submit comments, testimonials, feedback, questions, reviews, messages, or other content to us, you grant River of Life Insurance the right to use, reproduce, modify, publish, or display that content for business purposes, subject to applicable privacy laws and our Privacy Policy.
You represent that any content you submit is accurate, lawful, and does not violate the rights of any third party.
We reserve the right to remove or decline to use any submitted content.
Your use of this website is also governed by our Privacy Policy. Please review the Privacy Policy to understand how we collect, use, disclose, and protect information.
If there is a conflict between these Terms of Use and the Privacy Policy regarding personal information, the Privacy Policy will control with respect to privacy matters.
This website and its content are provided on an “as is” and “as available” basis.
To the fullest extent permitted by law, River of Life Insurance disclaims all warranties, express or implied, including warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, non-infringement, availability, security, and error-free operation.
We do not warrant that:
The website will always be available
The website will be error-free
The information will always be complete or current
Any quote, estimate, or illustration will be accurate for your final situation
Any product will be available to you
Any insurance application will be approved
Any financial, tax, retirement, or insurance outcome will be achieved
To the fullest extent permitted by law, River of Life Insurance, its owners, agents, representatives, affiliates, service providers, contractors, and partners will not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or related to your use of the website, reliance on website content, inability to access the website, submission of information, third-party services, or any action taken based on information provided through the website.
This limitation applies even if we have been advised of the possibility of such damages.
Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.
You agree to indemnify, defend, and hold harmless River of Life Insurance, its owners, agents, representatives, affiliates, service providers, contractors, and partners from and against any claims, damages, liabilities, losses, costs, or expenses, including reasonable attorney fees, arising from:
Your use of the website
Your violation of these Terms of Use
Your submission of false, misleading, or unauthorized information
Your violation of any law or regulation
Your infringement of another person’s rights
Your misuse of website content or services
Failure by River of Life Insurance to enforce any provision of these Terms of Use does not waive the right to enforce that provision later.
If any provision of these Terms of Use is found to be invalid, unlawful, or unenforceable, the remaining provisions will remain in full force and effect.
These Terms of Use are governed by the laws of the State of Arizona, without regard to conflict of law principles, unless another jurisdiction’s laws are required to apply.
By using this website, you agree that any dispute arising from or related to these Terms of Use or your use of the website will be handled in the appropriate courts located in Arizona, unless applicable law requires otherwise.
We may update these Terms of Use from time to time. When we make changes, we will update the effective date at the top of this page.
Your continued use of the website after updated Terms are posted means you accept the updated Terms.
If you have questions about these Terms of Use, please contact us:
River of Life Insurance
Website: riveroflifeinsurance.com
Email: info@riveroflifeinsurance.com
