Terms & Conditions

Last Updated: September 19, 2026

Welcome to AGS Legacy Solutions (the "Company," "we," "us," or "our"). By accessing or using our website, agslegacysolutions.com (the "Site"), and any services, informational resources, or contact request forms provided through it, you agree to comply with and be bound by the following Terms and Conditions (the "Terms"). If you do not agree to these Terms, please do not use our Site.

Scope of Services & Online Limitations

Our Site serves strictly as an informational and inbound inquiry platform providing general resources regarding life, health, and accident insurance products.

No Public User Accounts: This Site does not offer public user accounts, client portals, or registration options for the general public.
Contact Requests Only: The public forms on this Site are limited to basic contact inquiries (e.g., name, email, phone number) to request that an agent reach out to you. No comprehensive insurance applications, detailed health underwriting forms, or medical history inputs are hosted or submitted directly over this Site.
No Online Payments or Financial Transactions: We do not process insurance premiums, brokerage fees, or financial transactions of any kind through this Site. Any payment for bound policies must be handled directly through traditional offline methods as instructed by your agent.
No Binding Authority: Submitting a basic contact form or informational request through this Site does not constitute a binder of insurance, nor does it guarantee that a policy will be issued. Coverage can only be bound after a formal application is completed offline, reviewed and approved by the underwriting insurance carrier, and explicitly confirmed by a licensed agent of the Company.
Independent Brokerage: We operate as an independent brokerage. The actual insurance policies are underwritten and issued by independent third-party life and health insurance companies, not by us. Your coverage is strictly subject to the terms, conditions, exclusions, and medical underwriting limitations of those specific carrier policies.

Restricted Agent Login Portal

The login capabilities featured on this Site are strictly proprietary and reserved exclusively for authorized agents and personnel of the Company.

Unauthorized individuals attempting to access or bypass this secure agent portal are strictly prohibited and may subject the violator to civil or criminal liability.
No client profiles, consumer financial data, or sensitive user-submitted health records are stored within or accessible through this administrative login interface.

Geographic & Licensing Restrictions

Insurance regulations require specific jurisdictional licensing. The Company is a resident licensed organization in the Commonwealth of Pennsylvania and maintains non-resident insurance producer licenses across various jurisdictions nationwide.

The life, health, and accident products showcased on this Site are only intended for residents of jurisdictions where we are legally licensed to operate.
We reserve the right to decline processing contact requests for individuals residing in states or jurisdictions where we do not currently hold an active license.

Eligibility & Age Restrictions

By using this Site and submitting an inquiry through our contact forms, you represent and warrant that you are at least 18 years of age and possess the legal authority to request information regarding insurance products. This Site is not intended for, or directed to, individuals under the age of 18.

Consent to Electronic Communications & Contact

By providing your basic contact information (including email address, phone number, and wireless number) via our online contact forms, you expressly consent to receive communications from the Company and its licensed agents.

These communications may include emails, text messages (SMS/MMS), and phone calls for the purpose of scheduling a consultation, fulfilling your informational inquiry, or assessing your insurance needs.
You acknowledge that standard message and data rates may apply. You may opt out of these communications at any time by following the unsubscribe instructions provided in our communications or by contacting us directly.

No Professional Advice Disclaimer

The content, articles, and general explanations found on this Site are provided for general informational and educational purposes only.

No Medical Advice: General explanations regarding health or accident insurance benefits do not constitute medical advice, treatment plans, or medical diagnoses.
No Holistic Financial Planning or Tax Advice: While our licensed agents provide professional insurance recommendations during direct, individualized consultations, the generic information published on this Site does not constitute a formal financial plan, investment portfolio management, or tax advice. You should consult with qualified legal, tax, or specialized investment professionals regarding how insurance products fit into your overarching estate or tax planning.

Offline Evaluation & Accuracy of Content

Offline Data Collection: You acknowledge that all comprehensive personal, medical, lifestyle, or tobacco-use evaluations required to obtain accurate insurance premium rates will occur strictly offline during direct follow-up consultations with a licensed agent, and not via this website.
Quotes and Estimates: Any generic premium ranges or coverage examples discussed on the Site or in follow-up emails are non-binding estimates only. Final premiums and policy approvals are determined solely by the insurance carrier after official offline underwriting review, application signing, or medical record retrieval.
Site Content: While we endeavor to keep the information on this Site accurate and up to date, insurance rates, policy forms, and regulations change frequently. We do not warrant that the general articles or summaries published on the Site are free from errors or omissions.

Intellectual Property

All content on this Site—including text, graphics, logos, articles, and software—is the property of the Company or its content suppliers and is protected by copyright and intellectual property laws. You may view and print portions of this Site strictly for personal, non-commercial use to evaluate insurance products.

Prohibited Conduct

You agree not to use this Site to:

Submit fraudulent, deceptive, or speculative contact requests.
Use any automated system, robot, or scraper to extract data without our written consent.
Attempt to breach the security, server integrity, or networks hosting the Site or the agent portal.

Disclaimer of Warranties & Limitation of Liability

As-Is Basis: This Site and its contents are provided on an "as-is" and "as-available" basis without warranties of any kind, either express or implied.
Limitation of Liability: To the fullest extent permitted by law, the Company, its officers, and its employees shall not be liable for any direct, indirect, incidental, or consequential damages arising out of your use or inability to use this Site, or any delays or errors in general informational quotes provided.

Governing Law & Dispute Resolution

These Terms and any disputes arising out of your use of the Site shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions. Any legal actions must be filed in the state or federal courts located within Pennsylvania.

Changes to These Terms

We reserve the right to modify these Terms at any time. Any changes will be posted directly to this page with an updated "Last Updated" date at the top. Your continued use of the Site after changes are posted indicates your acceptance of the revised Terms.

Contact Information

If you have any questions or concerns regarding these Terms, please contact us at:

Business Name: AGS Legacy Solutions
Email: andrew@agslegacysolutions.com
Mailing Address: 237 Rt 711 Jones Mills, Pa 15646