1. Acceptance of These Terms
By accessing or using the Imara Legacy Insurance Services website, you agree to these Terms of Use and to the Privacy Policy. If you do not agree with any part of these Terms, please discontinue use of the website.
Viewing this website does not, by itself, create an insurance contract, an agent relationship, or any binding commitment between you and Imara Legacy.
2. About Imara Legacy Insurance Services
Imara Legacy Insurance Services operates as an independent insurance brokerage. Imara Legacy currently provides insurance services in California through appropriately licensed insurance professionals.
The website is intended to provide:
- General information
- Insurance education
- Access to quote requests
- Contact with licensed insurance professionals
- Information about available insurance solutions
Imara Legacy is not an insurance carrier and does not underwrite or issue insurance policies.
3. Website Information Is Educational
Content on this website is provided for general informational and educational purposes only.
- Content may not apply to every person
- Insurance needs vary based on individual circumstances
- Product details differ by carrier
- Website content is not automatically a personalized recommendation
- Visitors should speak with a licensed professional before making decisions
Website content does not guarantee eligibility, approval, premium, coverage amount, carrier availability, underwriting classification, or policy performance.
The current public product focus is Final Expense Insurance, Term Life Insurance, Whole Life Insurance, and Indexed Universal Life Insurance (IUL).
Indexed Universal Life (IUL)
Information about IUL does not guarantee cash-value growth, index performance, interest-crediting results, retirement income, or policy performance. IUL policies may involve policy charges, crediting methods, caps, participation rates, surrender provisions, policy-specific guarantees, and loans and withdrawals. Actual results depend on the applicable carrier and policy.
4. No Insurance Coverage Is Created
- Visiting the website does not create insurance coverage.
- Submitting a Request a Quote form does not create or bind coverage, guarantee approval, eligibility, or a premium, or constitute carrier underwriting approval. It is not itself a formal insurance application unless you are specifically taken through a separate application process.
- Speaking with an agent does not automatically create coverage.
- Coverage becomes effective only according to the applicable carrier’s requirements and policy terms.
Imara Legacy does not guarantee approval, a specific coverage effective date, or that any particular applicant will qualify for any particular product.
5. Quote Requests and Contact Forms
Visitors may submit:
- Request a Quote forms
- General Contact forms
- Questions or inquiries
The Request a Quote form asks for your full name, phone number, email address, date of birth, ZIP Code, and coverage interest (all required), plus optional additional notes.
When using these forms:
- Information provided must be accurate
- Required fields must be completed before a quote request can be submitted. Fields specifically identified as optional may be left blank.
- Submission does not guarantee a quote, recommendation, application, or approval
- Imara Legacy may contact you regarding your request using the contact information you provide
- Sensitive information should not be submitted through public website forms
Please note: Do not submit Social Security numbers, banking information, complete medical records, complete medical histories, payment-card information, or government identification numbers through public website forms.
6. Eligibility and Service Area
Educational content may be viewed more broadly, but insurance solicitation and services are currently limited to California and available only where Imara Legacy and the applicable insurance professional are properly licensed and authorized.
Current public service area: California.
Educational content on this website is not restricted based solely on location, but the availability of insurance products and professional services is limited to jurisdictions where Imara Legacy and the applicable insurance professional are properly licensed and authorized. Product and carrier availability remains subject to licensing and carrier requirements.
7. Carrier and Product Availability
- Carrier relationships may change over time.
- Carrier appointments may vary.
- Products vary by state.
- Products vary by age, health, underwriting, eligibility, and other carrier requirements.
- Not every product is available to every visitor.
- Carrier logos do not guarantee availability.
- Carrier information is not a ranking or endorsement.
8. No Tax, Legal, or Investment Advice
Information on this website is not intended as:
- Legal advice
- Tax advice
- Accounting advice
- Investment advice
- Estate-planning advice
- Comprehensive financial planning
Visitors should consult the appropriate qualified professional for these services. Nothing on this website should be interpreted as an offer of securities or investment advisory services.
9. User Responsibilities
By using this website, you agree to:
- Provide accurate information when submitting a form
- Use the website lawfully
- Refrain from impersonating another person
- Refrain from submitting fraudulent requests
- Refrain from interfering with website operations
- Refrain from attempting unauthorized access
10. Prohibited Uses
The following activities are not permitted:
- Attempting to access restricted systems
- Uploading malicious code
- Scraping or copying content in violation of applicable rights
- Using automated systems to overload the website
- Submitting false or misleading information
- Using the website for unlawful activity
- Attempting to obtain another person's private information
- Interfering with forms, databases, or administrative systems
11. Intellectual Property
Website materials may include:
- Imara Legacy branding
- Logos
- Written content
- Graphics
- Page designs
- Educational materials
- Software and interactive features
Except where permitted by law, these materials may not be copied, republished, sold, or commercially reused without permission.
Carrier names, logos, and trademarks belong to their respective owners. Their inclusion on this website does not imply ownership by Imara Legacy.
12. Third-Party Websites and Services
The website may link to:
- Insurance carrier websites
- Policy servicing portals
- Scheduling tools
- Payment portals
- Social media
- Other independent websites
Imara Legacy does not control the content, availability, security, or privacy practices of independent third-party websites. Please review the terms and privacy policies of any third-party site you visit.
13. Website Availability and Accuracy
Imara Legacy works to keep website content useful and accurate, but does not guarantee that:
- Every page is error-free
- Every product description is continuously current
- Every link will remain available
- The website will always operate without interruption
- Every carrier or product displayed is currently available
Imara Legacy may correct, update, or modify website information at any time without prior notice.
14. Limitation of Liability
To the extent permitted by law, Imara Legacy is not responsible for losses resulting solely from:
- Reliance on general website information
- Website interruptions
- Third-party websites
- Unauthorized misuse of the website
- Technical errors outside reasonable control
Nothing in these Terms is intended to waive any liability that cannot legally be waived.
15. Indemnification
You agree to reasonably indemnify and hold Imara Legacy harmless from claims arising from your unlawful use of the website, your violation of these Terms, fraudulent information you submit, or your infringement of another party's rights, to the extent permitted by applicable law.
16. Privacy
Website information practices are described in the Privacy Policy.
17. Communications
Visitors who submit a form may receive communications connected to their quote request, their inquiry, scheduling, follow-up, or policy- or service-related information.
Marketing email or recurring marketing text messages require the appropriate consent where applicable. Submitting a form is not, by itself, consent to unrelated recurring marketing messages. See the SMS Consent Policy for more information.
Electronic Insurance Transactions
Using the website or submitting a general inquiry does not automatically constitute consent to receive every insurance policy, legally required notice, disclosure, or other insurance document exclusively through electronic delivery. Where separate acknowledgment or electronic-delivery consent is required during an insurance transaction, it will be handled through the applicable process.
18. Changes to These Terms
These Terms may be updated when:
- Website features change
- Business practices change
- Legal requirements change
- New services are introduced
These Terms govern use of the website. They do not replace insurance applications, insurance policies, carrier contracts, carrier illustrations, required insurance disclosures, privacy notices, or underwriting requirements. If general website information conflicts with an issued insurance policy or applicable carrier document, the policy or carrier document controls, subject to applicable law.
The Last Updated date at the top of this page reflects the most recent substantive revision of these Terms.
19. Governing Law
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except where applicable law requires otherwise.
20. Contact Imara Legacy
Questions about these Terms may be directed to:
- Imara Legacy Insurance Services
- Phone: (213) 583-1415
You may also reach us through the Contact page.