Terms of Service

These Terms of Service ("Terms") govern your access to and use of this website and the services offered through it by Golden Darkness Life Insurance ("we," "us," or "our"). By using this site or submitting a quote or application, you agree to these Terms.

Nature of Our Services

Golden Darkness Life Insurance is an independent life insurance agency. We are not an insurance company. We do not underwrite, issue, administer, or pay claims on any policy. We help you compare products from licensed insurance carriers and, if you choose to proceed, submit your application to the carrier.

• Any coverage is provided solely by the insurance carrier that issues your policy.
• All guarantees, including death benefits and cash value, are backed exclusively by that carrier's claims-paying ability.
• No coverage exists until the carrier approves your application, issues a policy, and the first premium is paid.
• A quote is an estimate, not an offer of insurance. Final rates and eligibility are determined by the carrier's underwriting.

Eligibility

You must be at least 18 years old and a resident of a state in which we hold an active insurance producer license to apply for coverage through this site. You agree to provide accurate, current, and complete information in any quote or application.

Quotes, Rates, and Accuracy

Quoted premiums are based on the information you provide and on carrier rates in effect at the time. Underwriting may result in a higher or lower final premium, a modified benefit, or a decline. We make reasonable efforts to keep information on this site accurate and current, but product availability, features, and rates change frequently and are controlled by the carriers, not by us.

Applications and Underwriting

When you complete our secure application, you authorize us to submit your information to one or more insurance carriers for underwriting, and you authorize those carriers to verify the information you have provided as permitted by law. You are responsible for reviewing your issued policy and its disclosures carefully.

Payment and Premiums

Monthly premiums may be paid by credit or debit card or by electronic bank draft. Payment information submitted through this site is transmitted securely and used solely to establish your premium payment method. Premiums are charged by the carrier or its payment processor, not by us.

No Medical, Legal, or Tax Advice

Information on this site is provided for general educational purposes and is not medical, legal, tax, or investment advice. Life insurance and its tax treatment depend on your individual circumstances. Please consult a qualified professional regarding your specific situation.

Third-Party Carriers and Links

This site references third-party insurance carriers and may link to third-party websites. We do not control those carriers or sites and are not responsible for their content, products, or practices. Carrier names and marks are the property of their respective owners and are used solely to identify the products we are appointed to offer.

Intellectual Property

All content on this site — including text, design, graphics, and logos, excluding third-party carrier marks — is owned by us and may not be copied, reproduced, or redistributed without our written permission.

Limitation of Liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this site or from the acts or omissions of any insurance carrier. Nothing in these Terms limits any right you may have under applicable state insurance law.

Indemnification

You agree to indemnify and hold harmless Golden Darkness Life Insurance and its agents from any claims, losses, or expenses arising from your violation of these Terms or your submission of inaccurate information.

Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles, except where the insurance laws of your state of residence provide otherwise.

Changes to These Terms

We may revise these Terms at any time. The revised version takes effect when posted, and the "Last Updated" date above will reflect the change. Your continued use of the site means you accept the revised Terms.

Contact

Questions about these Terms may be directed to Tyler Wilson, Golden Darkness Life Insurance, National Producer Number 21395391.

• Email: tylerwilson2001a@gmail.com
• Phone: 346-338-0192