These Terms and Conditions ("Terms") govern your use of www.megalifegroup.com and your communications with Comfort Home, Health and Counseling Services LLC DBA Mega Life Group ("we," "us," or "our"). By accessing this website or contacting us, you agree to these Terms. If you do not agree, please discontinue use of the website.
1. About Our Services
We are a licensed insurance agency offering education and personalized strategies involving life insurance and annuity products, including indexed universal life (IUL), fixed indexed annuities, term life, and whole life insurance. We work with several top-rated insurance and financial companies. Products and services are offered only where we are properly licensed and where the product is approved for sale.
2. Educational Information Only — Not Professional Advice
All content on this website is provided for general educational and informational purposes. It is not tax, legal, accounting, or investment advice, and it is not an offer to sell or a solicitation to buy any insurance or annuity product. No content should be relied upon as a recommendation for your specific situation. You should consult a qualified tax, legal, or financial professional regarding your circumstances before making any decision.
3. No Guarantee of Approval or Results
We make no guarantee of approval, coverage, issuance, pricing, returns, investment performance, tax treatment, or any other outcome. Insurance and annuity products are issued by third-party carriers and are subject to the carrier's underwriting requirements, health and financial evaluation, product availability, state approval, and the full terms, conditions, limitations and exclusions of the issued contract. A carrier may decline an application, offer coverage at a different rate class, or modify the terms applied for.
Any illustrations, figures, index values, credited interest, or projections discussed with you are hypothetical and based on assumptions that may not occur. They are not a promise or estimate of actual future results. Non-guaranteed elements may change. Guarantees, where applicable, are backed solely by the claims-paying ability of the issuing insurance carrier and not by us.
Individual results vary. No two situations are alike, and every strategy we discuss is personalized to the individual client — nothing on this website should be understood to mean that all visitors or clients receive the same recommendation.
4. SMS / Text Messaging Terms
By providing your phone number and opting in, you consent to receive SMS text messages from Comfort Home, Health and Counseling Services LLC DBA Mega Life Group. Message frequency varies. Message and data rates may apply. Reply STOP to unsubscribe at any time. Reply HELP for assistance.
Consent to receive text messages is not a condition of purchase. Carriers are not liable for delayed or undelivered messages.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
5. Use of This Website
You agree to use this website lawfully and not to attempt to interfere with its operation, gain unauthorized access to any system, transmit malicious code, or scrape, copy, or republish its content without our written permission.
6. Accuracy of Information You Provide
You agree that any information you provide to us is accurate and complete to the best of your knowledge. Inaccurate or incomplete information may affect the suitability of any discussion, the accuracy of any quote, and a carrier's underwriting decision, and may result in a policy being rescinded or a claim being denied by the carrier.
7. Intellectual Property
All content on this website, including text, graphics, logos, images, and layout, is owned by or licensed to Comfort Home, Health and Counseling Services LLC DBA Mega Life Group and is protected by applicable intellectual property laws. You may not reproduce or distribute it without prior written consent.
8. Third-Party Links and Carriers
This website may link to third-party websites, including those of insurance carriers. We do not control and are not responsible for their content, products, terms, or practices. Any contract you enter into for an insurance or annuity product is between you and the issuing carrier.
9. Limitation of Liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, data, or opportunity, arising from your use of this website or reliance on its content. This website is provided "as is" and "as available," without warranties of any kind, express or implied.
10. Indemnification
You agree to indemnify and hold harmless Comfort Home, Health and Counseling Services LLC DBA Mega Life Group and its owners, employees, and agents from any claims, damages, or expenses arising from your misuse of this website or your breach of these Terms.
11. Privacy
Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
12. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute arising under these Terms shall be brought in the state or federal courts located in Florida.
13. Changes to These Terms
We may update these Terms at any time. The current version will always be posted on this page with an updated "Last updated" date. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.
14. Contact Us
Comfort Home, Health and Counseling Services LLC DBA Mega Life Group.
7901 4th St N STE 300, St. Petersburg, Florida 70301, United States
Email: [email protected]
Phone: +1 (945) 225-5845
Website: www.megalifegroup.com