Terms of Service

Grateful Life Assurance, LLC

Effective Date: October 8, 2026

Welcome to Grateful Life Assurance, LLC. Our mission is to help individuals and families make informed decisions about protecting their financial future through education, thoughtful planning, and access to insurance-based financial solutions.

By accessing our website or using our online services, you agree to the following Terms of Service.

1. Our Services

Grateful Life Assurance, LLC provides information and educational resources related to:

• Life insurance and mortgage protection.

• Whole life and indexed universal life insurance.

• Fixed and fixed indexed annuities.

• Retirement income planning concepts.

• Wealth preservation and legacy planning using insurance-based products.

Our services may include consultations, educational seminars, product illustrations, and assistance with applications through licensed insurance professionals.

2. Educational Information and Financial Decisions

Information presented on this website is intended for general educational and informational purposes.

It should not be interpreted as individualized investment, tax, or legal advice.

Insurance and annuity products vary in features, costs, limitations, eligibility requirements, and contractual guarantees. Product recommendations, when provided, should be based on an evaluation of your individual circumstances and financial objectives.

We encourage clients to consult qualified tax, legal, or other appropriate professionals when making decisions involving their estate, retirement accounts, or financial planning.

3. Insurance and Annuity Product Disclosures

Insurance and annuity products are subject to the terms and conditions of the issuing insurance company.

• Guarantees are backed by the financial strength and claims-paying ability of the issuing insurer.

• Fixed indexed annuities are insurance products and do not directly invest in a market index.

• Index-linked interest credits may be limited by caps, participation rates, spreads, or other contractual provisions.

• Certain products may include surrender charges, withdrawal limitations, fees, or tax consequences.

• Non-guaranteed illustrations and hypothetical projections do not promise future performance.

• Life insurance benefits and cash values depend on the specific policy and applicable conditions.

No insurance coverage is effective until approved and issued by the applicable insurance company, subject to its terms.

4. Appointments and Consultations

Our website may allow visitors to request or schedule consultations.

Submitting an appointment request does not establish an insurance contract, guarantee eligibility, or obligate you to purchase any product.

We reserve the right to reschedule or cancel appointments when necessary and will make reasonable efforts to communicate any changes.

5. Email and SMS Communications

By providing your contact information, you authorize us to respond to your inquiries through appropriate communication channels.

Where required, SMS communications are sent only after you provide the applicable consent.

You may separately choose to receive:

• Transactional and conversational SMS: Appointment reminders, scheduling confirmations, account-related communications, and responses to inquiries.

• Marketing SMS: Educational updates, invitations to seminars, promotional information, and information about our services.

SMS consent is not required as a condition of purchasing any product or service.

Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for assistance.

Your SMS opt-in information will not be sold or shared with third parties or affiliates for their own marketing purposes.

6. Website Use

You agree to use our website lawfully and not to:

• Submit false or misleading information.

• Attempt to gain unauthorized access to website systems.

• Interfere with the operation or security of our website.

• Copy or misuse website content in violation of applicable intellectual property laws.

7. Intellectual Property

Unless otherwise indicated, website content, branding, written materials, and educational resources are the property of Grateful Life Assurance, LLC or their respective owners.

Content may not be reproduced or distributed for commercial purposes without appropriate permission.

8. Third-Party Services and Links

Our website may include links to insurance carriers, appointment scheduling platforms, or other third-party services.

These providers operate under their own terms and privacy practices. Grateful Life Assurance, LLC is not responsible for independently operated third-party websites or services.

9. Limitation of Liability

We strive to provide accurate and current information. However, website content may contain errors or become outdated.

To the extent permitted by applicable law, Grateful Life Assurance, LLC is not liable for losses resulting solely from reliance on general website information without appropriate individualized evaluation.

Nothing in these Terms limits rights or remedies that cannot legally be excluded or restricted.

10. Privacy

Your use of this website is also governed by our Privacy Policy, which describes how we collect, use, and protect personal information.

11. Changes to These Terms

We may update these Terms of Service periodically. Changes will be posted on this page with an updated effective date.

Continued use of our website following posted changes constitutes acceptance of the revised terms to the extent permitted by law.

12. Governing Law

These Terms of Service are governed by the applicable laws of the State of Alabama, without limiting any mandatory protections provided under other applicable laws.

13. Contact Information

Grateful Life Assurance, LLC

Huntsville, Alabama

Email: brandiedmonds.sfg@gmail.com

Phone: 256-651-3515

Website: www.gratefullifeassurance.com