Effective Date: March 14, 2026
1. Acceptance of Terms
By accessing or using any website operated by Growth Insurance Group or its affiliated programs — including Heritage Senior Benefits, Insurance For Veterans, First Responders Insurance, Mortgage Protection Experts, and IUL & Annuities Experts (collectively "we," "us," or "our") — you agree to be bound by these Terms & Conditions and our Privacy Policy.
If you do not agree to these terms, please do not use our websites or services.
2. Description of Services
Growth Insurance Group operates lead generation and insurance comparison websites that help individuals connect with licensed insurance carriers and agents.
- Collecting information about your insurance needs and health situation
- Matching you with insurance carriers that may approve you based on your answers
- Facilitating contact between you and licensed insurance agents or advisors
3. No Guarantee of Coverage
Submitting information through our websites does not guarantee approval for any insurance product.
Final approval, coverage amounts, premium rates, and policy terms are determined solely by the insurance carrier during the formal underwriting process.
4. Carrier Liability Disclaimer
Growth Insurance Group is not an insurance company, insurance carrier, or insurance provider. Growth Insurance Group acts solely as a marketing platform and referral service connecting consumers with licensed insurance carriers and agents. We do not underwrite, issue, bind, guarantee, or administer insurance policies of any kind.
All liability for insurance products rests solely with the insurance carrier. All insurance policies are underwritten, issued, administered, and serviced exclusively by the insurance carrier issuing the policy. The insurance carrier — not Growth Insurance Group — is solely responsible for all policy terms, coverage decisions, claims processing, premium rates, policy approvals, policy denials, and regulatory compliance.
Growth Insurance Group expressly disclaims any and all liability related to insurance products, coverage outcomes, claim decisions, or carrier conduct. By using our services, you acknowledge that any insurance-related disputes are between you and the issuing insurance carrier.
5. Eligibility — Age Restriction (18+)
You must be at least eighteen (18) years of age to use our websites or services. By accessing or using any Growth Insurance Group website, you represent and warrant that you are at least 18 years old.
We do not knowingly solicit, collect, or accept personal information from individuals under 18 years of age. If we become aware that a person under 18 has submitted information through our websites, we will promptly delete that information. No solicitation of minors is intended or permitted.
6. Lead Marketplace Disclaimer
Our websites function as marketing and lead generation platforms connecting consumers with licensed insurance agents and carriers.
We do not guarantee approval or matching with any specific carrier.
7. Independent Agents & Agent Conduct Disclaimer
Agents you may be connected with are independent contractors and are not employees or representatives of Growth Insurance Group.
We are not responsible for statements, recommendations, or conduct of independent agents.
8. Consumer Responsibility Disclosure
You agree to provide truthful and accurate information when submitting inquiries.
Inaccurate or misleading information may result in denial of coverage or cancellation of a policy.
9. No Financial, Legal, or Tax Advice
Information provided on our websites is for informational purposes only and should not be interpreted as financial, legal, or tax advice.
You should consult qualified professionals before making financial decisions.
10. Consent to Be Contacted — TCPA Compliance
By submitting information through our forms you provide express written consent to be contacted via phone, SMS, automated dialing systems, or email regarding your insurance inquiry.
11. SMS/MMS Messaging — A2P 10DLC Compliance
All messaging sent by Growth Insurance Group complies with A2P 10DLC requirements and is registered with The Campaign Registry.
Description of SMS Program & Messaging Use Cases
When you submit an inquiry through any Growth Insurance Group website, you may receive SMS and MMS messages related to your insurance request. These messages may include:
- Confirmation of your inquiry submission
- Follow-up messages regarding your insurance quote or application status
- Appointment reminders with licensed insurance agents
- Informational messages related to the insurance products you inquired about
Our SMS program is used solely to support your insurance inquiry and is not used for promotional or unrelated marketing purposes.
Opt-Out Instructions
You may opt out of receiving SMS/MMS messages at any time by replying STOP to any text message you receive from us. After texting STOP, you will receive a one-time confirmation message and no further messages will be sent. You may also opt out by emailing info@growthinsurancegroup.com or by calling us directly. Opting out of text messages does not affect any existing insurance application or policy. Reply HELP to any message for assistance.
Message & Data Rate Disclosure
Message and data rates may apply. Message frequency varies based on your inquiry and follow-up needs. Your wireless carrier's standard messaging and data rates may apply to any SMS or MMS messages you receive from us. Growth Insurance Group is not responsible for any charges imposed by your wireless carrier. Please contact your wireless provider for details about your messaging plan.
12. Data Usage — We Never Sell Your Data
Your personal information is never sold, rented, or traded to third parties for marketing purposes.
13. Health Information & HIPAA Compliance
We may collect health-related information voluntarily provided by you and protect it in accordance with HIPAA standards.
14. CRM Data Processing (GoHighLevel)
Information submitted through forms may be stored in our CRM platform GoHighLevel for the purpose of managing your inquiry.
15. Accuracy of Information
You agree to provide accurate and complete information when submitting forms.
16. Intellectual Property
All website content is protected by copyright and intellectual property laws.
17. Prohibited Uses
You may not use our websites for unlawful purposes or attempt unauthorized access to our systems.
18. Third-Party Links
Our websites may contain links to third-party sites. We are not responsible for their content or practices.
19. Disclaimer of Warranties
Our services are provided "as is" and "as available" without warranties of any kind.
20. Limitation of Liability
Growth Insurance Group shall not be liable for indirect or consequential damages arising from use of our services.
21. Force Majeure
We are not liable for delays caused by events beyond our reasonable control including natural disasters, outages, or cyberattacks.
22. Indemnification
You agree to indemnify and hold harmless Growth Insurance Group from claims arising from your use of our services.
23. Governing Law
These terms are governed by the laws of the State of Florida.
24. Severability
If any provision of these terms is found unenforceable, the remaining provisions remain in effect.
25. Changes to Terms
We may update these Terms & Conditions at any time with an updated effective date.
26. Contact Information
Growth Insurance Group
Email: info@growthinsurancegroup.com
27. Electronic Consent & Electronic Signature Agreement (E-SIGN Act)
By using our websites and submitting your information electronically, you consent to conduct business with Growth Insurance Group and associated insurance professionals electronically.
You agree that electronic records, disclosures, and signatures have the same legal effect as physical documents and handwritten signatures in accordance with the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act).
You confirm that you have access to a device capable of receiving and retaining electronic communications.