Last updated: May 1, 2026
1. Acceptance of These Terms
By accessing or using this website operated by 10:10 Life and Legacy LLC (“10:10,” “we,” “us”), you agree to these Terms & Conditions. If you do not agree, please do not use the site.
2. Not Insurance Advice; No Coverage Is Bound
The information on this site is provided for general informational purposes only and does not constitute insurance, financial, legal, or tax advice. Using this tool does not create any insurance policy, bind any coverage, or guarantee that coverage will be offered or issued. No coverage exists unless and until an application is approved by an insurance carrier and a policy is issued.
3. Estimates Are Not Quotes
Any figure, range, or “estimate” shown by this tool is an illustration only, generated from the general information you provide. It is not a quote, not an offer of insurance, and not a guarantee of any rate or premium. Actual rates depend on carrier underwriting, your full application, medical and other history, product availability in your state, and other factors, and may differ materially from any estimate shown. A licensed agent must prepare and confirm any actual quote.
4. Eligibility
You must be at least 18 years old and a U.S. resident to use this website. Certain products may not be available in all states, and some states may be excluded entirely. Submitting information does not guarantee eligibility for any product.
5. Licensed Insurance Activity
Insurance products are offered through licensed insurance agents and agencies. 10:10 and its affiliated agents are licensed in the states in which they conduct business.
6. Your Consent to Be Contacted
By submitting your information and checking the consent box, you authorize 10:10 and its affiliated licensed agents to contact you by the methods described in that disclosure — including live agent, automated dialing, artificial, prerecorded, or AI-generated voice and messaging, text/SMS, and email — even if your number is on a Do Not Call registry. Consent is not a condition of purchasing any product. You may opt out as described in our Privacy Policy.
7. Accuracy of Information
You agree to provide accurate, current, and complete information. Estimates and any subsequent quotes rely on the accuracy of what you provide, and inaccurate information may change or invalidate them.
8. Intellectual Property
All content on this site, including text, design, logos, and graphics, is owned by or licensed to 10:10 and may not be copied, reproduced, or used without permission.
9. Disclaimer of Warranties
The site and tool are provided “as is” and “as available” without warranties of any kind, express or implied, including any warranty of accuracy, merchantability, or fitness for a particular purpose. We do not warrant that the site will be uninterrupted or error-free.
10. Limitation of Liability
To the fullest extent permitted by law, 10:10 Life and Legacy LLC and its members, managers, officers, employees, agents, and affiliates will not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the site or reliance on any estimate.
11. Governing Law
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles. Any dispute arising under these Terms will be resolved in the state or federal courts located in Texas.
12. Changes to These Terms
We may modify these Terms at any time. The “Last updated” date reflects the latest version. Continued use after changes constitutes acceptance.
13. Contact
Questions about these Terms can be sent to 10:10 Life and Legacy LLC at [email protected].