Terms of Use
Last updated: October 2026
These Terms of Use govern your access to and use of the Trust Life and Annuity LLC website. Please read them carefully.
Acceptance of Terms
By accessing and using this website, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, please do not use this website.
No Legal, Tax, or Accounting Advice
Information provided on this website is for general informational purposes only and should not be considered legal, tax, accounting, or financial advice. Clients should consult appropriate professionals regarding their individual circumstances. Nothing on this website creates an advisor-client, attorney-client, or any professional relationship.
No Guarantee of Results
Nothing on this website constitutes a guarantee of debt reduction, financing approval, insurance coverage approval, or any particular financial outcome. Services, eligibility, fees, timelines, and outcomes vary based on individual circumstances. No insurance coverage is effective until approved and issued by the applicable insurance carrier.
Insurance and Annuity Disclosures
Life insurance and annuity products are subject to eligibility, underwriting, product availability, policy terms, fees, surrender charges, and other limitations. Availability, pricing, and benefits vary by product, carrier, state, applicant, health, age, and other underwriting factors. Indexed products are not direct investments in the stock market or any market index. Past performance does not guarantee future results. Annuities are long-term insurance products and may be subject to surrender charges and tax penalties for certain withdrawals. Policy loans and withdrawals may reduce available cash value and death benefit and may have tax consequences.
Use of Website
You agree to use this website only for lawful purposes. You may not use it in any way that could damage, disable, or impair the website or interfere with another party's use. You agree not to attempt to gain unauthorized access to any portion of the website, its systems, or data.
Intellectual Property
All content on this website, including text, graphics, logos, and design, is the property of Trust Life and Annuity LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
Third-Party Links
This website may contain links to third-party websites. We are not responsible for the content or practices of those websites and do not endorse their products or services.
Limitation of Liability
Trust Life and Annuity LLC shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on any information provided herein. Your use of the website is at your own risk.
Form Submissions
Submitting a form on this website does not constitute an application for insurance, a binding request for services, or a guarantee of engagement. Information submitted through forms is used to review your situation and contact you regarding potential services. Submission does not create any obligation on the part of Trust Life and Annuity LLC to provide services.
Changes to Terms
We may update these Terms of Use from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the website after changes are posted constitutes acceptance of the updated terms.
Review Required: These Terms of Use are a draft provided as a starting point. They must be reviewed by qualified legal counsel before publication to ensure compliance with applicable laws and regulations. Do not publish without legal review and owner approval.