1. Identification & Scope of the Website

This website is owned and operated by RC Life Insurance Group, an independent insurance marketing agency and wealth advisory firm based in Houston, Texas. By accessing, browsing, or using this portal, you expressly acknowledge and irrevocably agree to comply with and be bound by these Terms of Use and our Privacy Policy.

If you do not agree with any part of these terms, you should immediately discontinue use of this site and contact our team directly through our official phone or email channels.

2. Nature of Advisory, Educational & Mentoring Services

Consultation sessions, financial literacy seminars (including the National Campaign for Financial Literacy), and preliminary policy illustrations provided by RC Life Insurance Group are professional guidance and educational services delivered by our qualified team of independent insurance agents duly licensed by the Texas Department of Insurance (TDI) and reciprocal state authorities.

3. Independent Policies and Underwriting Conditions of Partner Carriers

RC Life Insurance Group acts as an independent brokerage and marketing organization providing direct access to a premier portfolio of more than 20 top-rated life insurance carriers and financial institutions in the United States (including Transamerica, Nationwide, Allianz, Prudential, Pacific Life, Athene, Mutual of Omaha, American National, Corebridge Financial, Lincoln Financial, North American, among others).

Consequently, every user and applicant understands and expressly agrees that:

• Independent Carrier Underwriting: Each insurance product, including Term Life, Whole Life, Indexed Universal Life (IUL) with Living Benefits, Fixed Indexed Annuities, and Final Expense coverage, is governed solely by the underwriting guidelines, terms, exclusions, premium costs, and policy contracts issued exclusively by the respective third-party insurance company.
• Case-by-Case Consultation: Benefits, illustrative cash value accumulation rates, and coverage caps must be evaluated on an individualized basis at the time of a formal proposal, as premiums and underwriting approvals depend on age, health status, tobacco use, income, and state of residence.
• Underwriting Approval Required: RC Life Insurance Group does not issue policies, underwrite risk, or adjudicate insurance claims. Policy issuance is strictly conditioned upon formal underwriting approval by the chosen carrier.

4. Inquiries, Contact Forms & Consultation Requests

Voluntary submission of your contact details through any form on this portal (consultation requests, future plan waitlists, or event registrations) constitutes express authorization for a licensed advisor representing RC Life Insurance Group to contact you via telephone, text messaging (SMS), WhatsApp, or email to schedule your consultation.

Submitting a preliminary inquiry does not create an insurance contract or financial obligation until an official carrier application is formally submitted, underwritten, and approved.

5. Intellectual Property & Partner Trademarks

All proprietary texts, images, branding, and layouts of RC Life Insurance Group are protected by United States copyright and trademark laws.

Trademarks, corporate logos, and service marks of insurance carriers and institutional partners shown on this website are the sole property of their respective owners and are displayed strictly for educational, informational, and identification purposes to reflect the portfolio of carriers our licensed agents represent.

6. Amendments to Terms of Use

RC Life Insurance Group reserves the right to modify or update these Terms of Use at any time without prior notice. Any modifications become effective immediately upon posting to this page. Continued use of this website constitutes your acceptance of the updated terms.