Terms and Conditions

1. Introduction

These Terms and Conditions govern your relationship with AP Life Secure, an independent representative of Primerica. By accessing our services, you agree to these terms in their entirety.

2. Professional Relationship

AP Life Secure operates as an independent contractor and licensed insurance agent representing Primerica. While we maintain a business relationship with Primerica, we are not their employee and operate independently.

3. Services Offered

Our services include but are not limited to:

✔ Term life insurance policy recommendations
✔ Financial needs analysis
✔ Insurance policy servicing
✔ Claims assistance

4. Licensing and Compliance

We maintain all required state insurance licenses and comply with all applicable insurance regulations and laws. Our recommendations are based on our professional judgment and the products available through Primerica.

5. Privacy Policy

We adhere to strict privacy policies in accordance with state and federal regulations. All personal and financial information collected is handled with the utmost confidentiality and used solely for insurance-related purposes.

6. Compensation

As a licensed insurance agent, we receive compensation from Primerica for policies sold. This compensation does not affect the premiums you pay, which are set by Primerica and approved by state regulators.

7. Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as financial or legal advice. Individual circumstances vary, and recommendations are made on a case-by-case basis.

Insurance products are:

✔ Not deposits
✔ Not FDIC-insured
✔ Not guaranteed by any federal government agency
✔ Not guaranteed by any bank or credit union
✔ May lose value

8. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website. Continued use of our services constitutes acceptance of any modifications.