Terms & Conditions
Effective Date: August 10, 2026
These Terms & Conditions govern your use of this website and the insurance information, quote requests, appointment scheduling, forms, telephone communications, email communications, SMS communications, and related services provided by Ryan Hardin, Licensed Life Insurance Agent (“Ryan Hardin,” “we,” “us,” or “our”).
By using this website or requesting services from Ryan Hardin, you acknowledge and agree to these Terms & Conditions.
Insurance Services
Ryan Hardin is a resident life insurance agent in the State of Florida.
Insurance products may only be discussed, offered, solicited, or transacted in jurisdictions where Ryan Hardin maintains the appropriate insurance license and where the applicable insurance product is available.
Insurance products, rates, underwriting requirements, policy features, and eligibility vary by insurance carrier and state.
Licensed States
Ryan Hardin is currently licensed, subject to continuing license status, carrier appointments, product availability, underwriting requirements, and applicable law, in:
Florida, Texas, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Kansas, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, Washington, D.C., West Virginia, Wyoming, and Wisconsin.
No Guarantee of Coverage
Information provided through this website is for general educational and informational purposes.
Website information does not constitute an insurance contract, binder of coverage, guarantee of coverage, guarantee of premium, legal advice, tax advice, investment advice, or guarantee of insurance eligibility.
Submitting an online form, requesting a quote, scheduling an appointment, communicating with Ryan Hardin, or beginning an insurance application does not create insurance coverage.
Insurance coverage becomes effective only when all requirements established by the applicable insurance carrier have been satisfied and the carrier places the policy in force.
Insurance Quotes and Underwriting
Insurance premiums, coverage amounts, policy features, underwriting classifications, and eligibility are determined by the applicable insurance carrier.
Factors may include age, state of residence, health history, tobacco or nicotine use, financial circumstances, requested coverage, underwriting requirements, and other information required by the carrier.
You are responsible for providing complete and accurate information when requesting insurance information or completing an insurance application.
SMS/Text Messaging Terms
When you voluntarily provide your mobile telephone number and affirmatively opt in to receive text messages from Ryan Hardin, you consent to receive the categories of messages described in the consent disclosure presented when you opted in.
Messages may include:
Insurance quote follow-up.
Responses to your insurance inquiry.
Appointment confirmations.
Appointment reminders.
Application updates.
Customer service communications.
Requested insurance information.
Other communications relating to services you requested.
If you separately consent to marketing communications, you may also receive information regarding life insurance products, services, offers, or related opportunities from Ryan Hardin.
SMS Consent
Consent to receive marketing text messages is optional.
Consent to receive marketing text messages is not a condition of purchasing insurance, obtaining an insurance quote, or receiving services from Ryan Hardin.
Your SMS consent applies specifically to Ryan Hardin.
SMS consent will not be sold, rented, or transferred to another company for that company to send you marketing messages.
Message Frequency
Message frequency may vary based on your insurance inquiry, appointment activity, application status, requests, and interactions with Ryan Hardin.
Message and Data Rates
Message and data rates may apply according to your wireless carrier and mobile service plan.
Ryan Hardin is not responsible for charges imposed by your wireless carrier.
How to Opt Out
You may cancel SMS communications at any time by replying:
STOP
After you reply STOP, you may receive a final confirmation message confirming that you have been unsubscribed.
After that confirmation, you will no longer receive SMS messages covered by your opt-out unless you voluntarily opt in again.
SMS Help
For assistance with SMS communications, reply:
HELP
You may also contact Ryan Hardin directly:
Phone: [TOLL-FREE NUMBER]
Email: [SUPPORT EMAIL]
Wireless Carrier Disclaimer
Wireless carriers are not responsible for delayed or undelivered messages.
Message delivery may be affected by your wireless provider, mobile device, network availability, cellular coverage, or other circumstances outside Ryan Hardin’s control.
Privacy
Your privacy is important to us.
Information collected through this website and through our SMS communications is handled according to our Privacy Policy.
Please review the Privacy Policy here:
[PRIVACY POLICY URL]
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
Opt-in data and consent will not be shared with third parties.
Third-Party Insurance Carriers
Ryan Hardin may assist consumers in obtaining information or products from one or more independent insurance carriers.
Insurance carriers establish their own underwriting requirements, product rules, premiums, policy provisions, eligibility standards, and privacy practices.
Ryan Hardin does not guarantee approval or coverage by any insurance carrier.
Website Use
You agree not to use this website to:
Submit fraudulent or knowingly false information.
Impersonate another person.
Attempt unauthorized access to website systems or information.
Introduce malicious software or harmful code.
Interfere with website operation or security.
Use this website for unlawful or abusive purposes.
Third-Party Websites
This website may contain links to insurance carriers, application platforms, or other third-party services.
Those third parties operate independently and may maintain separate Terms & Conditions and Privacy Policies.
Ryan Hardin is not responsible for the content, availability, privacy practices, security, products, or services of independent third parties.
Website Accuracy
We make reasonable efforts to keep information on this website accurate and current.
However, insurance products, premiums, carrier appointments, underwriting guidelines, regulations, licensing status, and product availability may change.
Information displayed on the website should not be considered a guarantee that a particular insurance product, premium, or carrier will be available.
Limitation of Liability
To the fullest extent permitted by applicable law, Ryan Hardin will not be responsible for indirect, incidental, or consequential damages arising solely from use of this website, reliance on general website information, technical interruptions, third-party websites, or circumstances outside our reasonable control.
Nothing in these Terms limits consumer or insurance rights that cannot legally be waived.
Governing Law
These Terms are generally governed by the laws of the State of Florida, except where mandatory laws of another jurisdiction apply.
Any insurance policy ultimately issued is governed by the terms of that insurance policy, the issuing insurance carrier, and applicable insurance law.
Changes to These Terms
We may update these Terms & Conditions periodically to reflect changes in our services, business practices, technology, insurance requirements, or applicable law.
The updated Terms will be posted on this website with a revised effective date.
Contact Information
Questions regarding these Terms & Conditions or our SMS messaging program may be directed to:
Ryan Hardin, Licensed Life Insurance Agent
Phone: [TOLL-FREE NUMBER]
Email: [SUPPORT EMAIL]
Website: [WEBSITE URL]