Terms of service

These Terms of Service (“Terms”) govern your access to and use of assurna.com, the strategy-call intake, and any related services provided by Assurna (“Assurna,” “we,” “our,” or “us”). By using the site or submitting an intake, you agree to these Terms. If you do not agree, do not use the site.

Assurna is a licensed insurance brokerage. We provide insurance brokerage services, strategy consultation, application support, illustration design, and placement with independent insurance carriers, to clients who choose to engage us.

Assurna is not a Registered Investment Adviser under the Investment Advisers Act of 1940 and does not act as an ERISA fiduciary. Nothing on this site or in any communication from Assurna constitutes investment, tax, legal, or accounting advice. You should consult your own qualified professionals before making any financial decisions.

Content on this site is provided for general educational and informational purposes only. It is not a substitute for individualized advice from a licensed professional. Tax outcomes, projected policy values, and other forward-looking statements depend on individual circumstances and current law (which may change).

Any case studies, illustrations, or sample structures shown are anonymized and may be composites or stress-tested projections. They do not represent the experience of any specific client and are not guarantees of future results.

Insurance policies referenced on this site, including indexed universal life (IUL), variable universal life (VUL), and whole life, contain non-guaranteed elements such as current crediting rates, caps, participation rates, bonuses, cost-of-insurance charges, and policy expenses.

IUL illustrations follow current NAIC Actuarial Guideline 49-A and 49-B but are projections, not promises. Actual policy values may be materially lower than illustrated. Risks include reduced cash value, policy lapse, and potential phantom-income tax consequences if a loaned policy lapses. Past or illustrated performance does not predict future results.

Insurance products and services are offered only in jurisdictions where Assurna and the issuing carrier are licensed to do so. Content on this site does not constitute an offer to sell or a solicitation to buy in any other jurisdiction. We verify state licensure before accepting an application.

Assurna is compensated through commissions paid by insurance carriers when policies are placed. Commission structure varies by carrier, product, and policy size. You do not pay Assurna directly for the strategy call or the brokerage relationship. We disclose our compensation structure on any specific recommendation we make.

You agree not to:

• Use the site in violation of any law or these Terms;
• Submit false, misleading, or fraudulent information on any intake or contact form;
• Attempt to gain unauthorized access to any portion of the site, account, or system;
• Interfere with site availability, perform automated scraping at a rate that degrades service, or attempt to reverse-engineer site security;
• Use site content (other than personal viewing and the limited fair-use rights granted by law) without Assurna’s written permission.

By providing a mobile number and checking the SMS-consent box on an Assurna form, you agree to receive text messages from Assurna (the “Program”). The Program sends conversational and transactional messages tied to your inquiry or relationship with us, including appointment confirmations, scheduling, call reminders, follow-ups from your advisor, and notices about your application or policy.

• Frequency. Message frequency varies based on your interactions with us.
• Costs. Message and data rates may apply, depending on your carrier and plan.
• Opt-out. Reply STOP to any message to unsubscribe. We will send one confirmation message and then stop further Program messages. You may also email hello@assurna.com to request removal.
• Help. Reply HELP for help, or contact hello@assurna.com or 877-ASSURNA (877-277-8762).
• Eligibility. You must be 18 or older, a US resident, and the account holder or authorized user of the mobile number you provide.
• Carriers. Supported carriers include all major US carriers (AT&T, T-Mobile, Verizon, and others). Carriers are not liable for delayed or undelivered messages.
• Privacy. SMS opt-in data is handled as described in our Privacy Policy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
• Changes. We may modify or terminate the Program at any time, with notice where required by law.

Policies referenced on or recommended through this site are issued by independent insurance carriers. Each carrier has its own application, underwriting, terms, disclosures, and privacy practices. Assurna’s relationship with you as a licensed producer does not create a direct legal relationship between you and any carrier until a carrier issues a policy and you accept it.

Site content, text, graphics, logos, code, and design, is owned by Assurna or its licensors and is protected by copyright, trademark, and other applicable laws. The Assurna name and logo are trademarks of Assurna. You may not use them without prior written consent.

The site and all content are provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be error-free, uninterrupted, or that any content is accurate, current, or complete.

To the maximum extent permitted by applicable law, Assurna and its affiliates, officers, employees, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or use, arising from your access to or use of the site, even if advised of the possibility of such damages. Nothing in these Terms limits Assurna’s liability for fraud, willful misconduct, or any other liability that cannot be limited by law.

You agree to indemnify and hold Assurna harmless from any claims, losses, liabilities, damages, and expenses (including reasonable attorneys’ fees) arising from your violation of these Terms, your misuse of the site, or your violation of any rights of a third party.

If you have a complaint, please contact us first at hello@assurna.com. You may also contact your state department of insurance. See the compliance page for the state-by-state contact directory and the complaint procedure.

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles, except where state insurance law specifies a different governing-law rule. State insurance regulators retain jurisdiction over insurance-licensee conduct in their respective states.

We may update these Terms from time to time. The updated version will be posted on this page with a revised “Last updated” date. Continued use of the site after the changes take effect constitutes acceptance of the updated Terms.

Questions about these Terms: legal@assurna.com. General contact: hello@assurna.com.