Terms of Service

Last Updated: 9/30/2025

1. Acceptance of Terms

By accessing or using truewealthinsurance.com (the “Site”), including the “Debt Free Life” program and related services (collectively, “Services”), you (“User,” “you,” or “your”) agree to be bound by these Terms of Service (“Terms”), our Privacy Policy, and any additional terms referenced herein (together, the “Agreement”).

If you do not agree, you must not use or access the Site or Services.

2. Licensing and Regulatory Disclosure

  • True Wealth Insurance is based in Texas and licensed by the Texas Department of Insurance.

  • We also hold non-resident producer licenses in other states. Services, products, and programs described on the Site may not be available in all states, and eligibility is subject to state insurance laws, underwriting, and licensing requirements.

  • Nothing on this Site shall be construed as a solicitation, offer, or sale of insurance products in any jurisdiction where such activity would be unlawful.

3. Services Overview

We provide:

  • Educational content and tools about debt elimination, insurance, annuities, indexed universal life (IUL), and wealth-building strategies.

  • Access to licensed professionals for consultations and enrollment in applicable insurance products.

  • Programs such as “Debt Free Life,” designed to help clients reduce interest, restructure debt, and build financial security.

Important: All content is for educational and informational purposes only. It is not legal, tax, or investment advice. Decisions should be made in consultation with your licensed advisors (legal, tax, financial).

4. Eligibility

By using our Services, you represent and warrant that:

  • You are at least 18 years old and legally able to enter binding contracts.

  • You reside in a state where True Wealth Insurance is licensed.

  • You will comply with all applicable state and federal laws when using our Services.

5. No Guarantee of Outcomes

We do not guarantee:

  • Debt elimination, loan payoff timelines, or specific interest savings.

  • Investment performance or rate of return.

  • Approval for or issuance of any insurance policy.

All results depend on your personal financial circumstances, underwriting, and market conditions.

6. Disclaimers

  • Insurance Products: All insurance products offered are fixed insurance products. They are not deposits, not FDIC-insured, and not directly invested in the stock market.

  • Educational Content: Site materials are provided “as is” without warranties of accuracy, completeness, or timeliness.

  • Professional Advice: Nothing on this Site replaces personalized legal, tax, or financial advice.

7. Limitation of Liability

To the fullest extent permitted by Texas law and the laws of other applicable jurisdictions:

  • True Wealth Insurance and its affiliates shall not be liable for indirect, incidental, or consequential damages, including lost profits, arising out of your use of the Site or Services.

  • Our total liability for any claim shall not exceed the amount you paid us (if any) for Services in the 12 months prior to the claim.

8. Intellectual Property

All content, logos, trademarks, and designs on this Site are owned or licensed by True Wealth Insurance. You may not copy, distribute, or create derivative works without our prior written consent.

9. Third-Party Links and Services

The Site may link to third-party websites (e.g., scheduling tools, partner portals). We are not responsible for those sites or their content. Use them at your own risk.

10. Payments & Refunds (if applicable)

If you purchase guides, educational materials, or other fee-based services:

  • Payment terms will be disclosed at checkout.

  • Refunds are only provided where required by law or expressly stated in writing.

11. Termination

We may suspend or terminate your access to the Site or Services at any time if you violate these Terms or for other business reasons.

12. Governing Law & Jurisdiction

  • These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles.

  • Any disputes shall be resolved in the state or federal courts located in Dallas County, Texas, unless otherwise required by applicable state insurance law.

  • If you are a resident of another state where we are licensed, you may also have protections under your state’s insurance laws.

13. Severability & Waiver

If any part of these Terms is deemed invalid, the remainder will remain enforceable. Failure to enforce a right does not waive it.

14. Entire Agreement

These Terms, together with our Privacy Policy, form the entire agreement between you and True Wealth Insurance.