Last updated: October 10, 2026.
Terms of Use
These Terms and Conditions govern your use of the IUL Pro LLC website, services, and SMS messaging program. By using our website, requesting consultations or services, or opting into SMS communications, you agree to these Terms.
Use of Services
You agree to use IUL Pro LLC’s services, website, and messaging systems only for lawful purposes and in a way that does not interfere with or misuse our services.
Bookings, Purchases, and Payments
All consultations, bookings, and purchases are subject to availability and confirmation. Prices may change unless otherwise agreed in writing. Payment terms, deposits, and cancellation policies are provided at the time of booking or purchase.
Cancellations and Refunds
Cancellation and refund policies vary by service and are communicated at the time of purchase or booking.
SMS Messaging Program
Program Name: IUL Pro LLC
Program Description:
By opting in, you agree to receive SMS messages from IUL Pro LLC that may include appointment reminders, consultation confirmations, service updates, insurance-related information, customer support messages, and promotional or informational communications.
Message frequency varies.
SMS Opt-Out
You may cancel the SMS service at any time by texting STOP to the number from which you received messages.
After sending STOP, you will receive a confirmation message. You will no longer receive SMS messages from IUL Pro LLC unless you re-enroll.
Rejoining the SMS Program
To rejoin after opting out, simply sign up again through our website or opt-in form.
SMS Help
For help, reply HELP to any SMS message or contact us directly:
Carrier Disclaimer
Wireless carriers are not liable for delayed or undelivered messages.
Message & Data Rates
Message and data rates may apply. Message frequency varies. For questions about your wireless plan, contact your mobile carrier.
Industry & Legal Compliance
IUL Pro LLC’s SMS program operates in compliance with applicable laws, including the Telephone Consumer Protection Act (TCPA), CTIA guidelines, and wireless carrier messaging requirements. By providing your number, you confirm you are authorized to receive messages at that number.
Intellectual Property
All content, branding, logos, text, images, and materials are the property of IUL Pro LLC and may not be used without written permission.
Limitation of Liability
To the maximum extent permitted by law, IUL Pro LLC is not liable for indirect, incidental, or consequential damages arising from use of our website, services, or messaging system.
Indemnification
You agree to hold IUL Pro LLC harmless from claims arising from misuse of our services or violation of these Terms.
Termination
We may suspend or terminate access to our services if these Terms are violated.
Governing Law
These Terms are governed by the laws of the State of California, United States.
Changes
We may update these Terms at any time. Continued use of our services or SMS program means acceptance of the updated Terms.