Terms & Conditions

1. Acceptance of Terms

By accessing or using the website lifecatlininsurance.com (the "Site") operated by Life Catlin Insurance LLC ("we," "us," or "our"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our Site or services.

2. Services Description

Life Catlin Insurance LLC is a licensed insurance brokerage providing life insurance, Medicare supplement, and related insurance products. Our website provides general information about insurance products and allows you to request quotes and schedule consultations. Omar Catlin is a licensed insurance broker (NPN: 19107979).

3. Not Financial or Legal Advice

The information on this Site is for general informational purposes only and does not constitute financial, legal, tax, or insurance advice. Insurance product availability, features, and pricing vary by state and carrier. You should consult with a licensed professional regarding your specific insurance needs before making any decisions.

4. Accuracy of Information

We strive to keep the information on our Site accurate and up to date. However, we make no warranties or representations regarding the completeness, accuracy, or reliability of any information on the Site. Insurance rates, benefits, and availability are subject to change without notice and are determined by the insurance carriers.

5. Communications Consent

By providing your contact information through our Site, forms, or directly to our agents, you consent to receive communications from us, including:

• Phone calls regarding insurance quotes and policy information
• SMS/text messages for appointment reminders, policy updates, and account notifications
• Emails with policy documents, quotes, and relevant updates

You may opt out of SMS communications at any time by replying STOP. Standard message and data rates may apply. See our Privacy Policy and SMS Consent page for details.

6. Intellectual Property

All content on this Site, including text, graphics, logos, and images, is the property of Life Catlin Insurance LLC or its content suppliers and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our prior written consent.

7. Third-Party Links

Our Site may contain links to third-party websites, including insurance carrier sites and scheduling tools. We are not responsible for the content, privacy practices, or availability of these external sites. Accessing third-party links is at your own risk.

8. Limitation of Liability

To the fullest extent permitted by law, Life Catlin Insurance LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or services, including but not limited to loss of data, revenue, or profits, even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold harmless Life Catlin Insurance LLC, its owner, agents, and affiliates from any claims, losses, damages, liabilities, and expenses (including reasonable attorney's fees) arising from your use of the Site or violation of these Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Rhode Island, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of the State of Rhode Island.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

12. Contact Us

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