Terms & Conditions

1. Acceptance of Terms

Welcome to Premier Life Group. By accessing or using mypremierlife.com (the "Website"), you agree to these Terms & Conditions and our Privacy Policy.

The Website is operated by Swafford Enterprises, LLC, an Arizona limited liability company, through its Traffic Locker marketing platform under the Premier Life Group brand.

If you do not agree to these Terms, please discontinue use of the Website.

2. About Premier Life Group

Premier Life Group is a marketing brand that connects consumers interested in life insurance with participating licensed insurance professionals.

The Website provides information about life insurance products, including policies that may offer accelerated death benefits commonly referred to as living benefits.

Premier Life Group is not an insurance carrier and does not issue, underwrite, or guarantee insurance policies.

Insurance consultations, recommendations, applications, and policy transactions are handled by participating insurance professionals, subject to applicable licensing requirements.

3. No Guarantee of Coverage

Submitting information through the Website does not constitute an insurance application, establish insurance coverage, or guarantee approval.

Insurance eligibility, coverage amounts, premiums, available riders, and policy benefits depend on factors that may include age, health, state of residence, underwriting requirements, and the issuing carrier's policies.

No insurance coverage becomes effective merely by submitting the Website's qualification form or scheduling a consultation.

Coverage becomes effective only according to the applicable insurance contract and the issuing carrier's requirements.

4. Living Benefits Disclosure

Certain life insurance policies may offer accelerated death benefit riders that permit eligible policyholders to access a portion of their death benefit during their lifetime following a qualifying illness or other covered event.

Availability and terms vary by carrier, policy, rider, and state.

Accelerating a death benefit may reduce the amount payable to beneficiaries and may affect other policy values. Accelerated benefits may also have tax consequences or affect eligibility for certain public assistance programs.

Not every policy includes living benefits, and not every illness or medical condition qualifies for accelerated benefits.

All benefits are subject to the terms, limitations, exclusions, and conditions of the applicable insurance policy and rider.

5. Information Submitted by Visitors

When completing a qualification form, you agree to provide information that is accurate and current to the best of your knowledge.

The Website may request contact information, state of residence, age range, insurance preferences, and other information relevant to connecting you with an insurance professional.

Submitting information does not guarantee that a participating professional or insurance product will be available.

We may decline to process requests that are incomplete, fraudulent, outside supported jurisdictions, or otherwise inconsistent with applicable requirements.

6. Referrals to Licensed Insurance Professionals

Premier Life Group may refer your inquiry to a participating insurance professional based on factors such as state licensing, availability, and other routing criteria.

Participating professionals may operate independently and may represent different insurance carriers.

Premier Life Group does not guarantee that a particular agent, carrier, insurance product, premium, or coverage amount will be available.

You are responsible for reviewing any insurance recommendations, applications, illustrations, and policy documents before making a purchasing decision.

7. Communications and Electronic Consent

By submitting a request, you may provide consent to be contacted regarding life insurance information and related services, as described in the disclosures presented with the form.

Communications may include telephone calls, text messages, emails, or appointment reminders, depending on the permissions you provide and applicable law.

Where required, consent to receive automated or marketing communications will be obtained separately and will not be treated as a condition of purchasing insurance.

You may opt out of marketing text messages by replying STOP. Message and data rates may apply.

Your communications preferences and applicable legal rights will be respected.

The specific consent language displayed at the time of submission governs the scope of any authorization you provide.

8. Electronic Verification and Security

The Website may use phone verification, security checks, and automated systems to validate submissions and prevent fraud or duplicate requests.

Verification of a phone number does not establish identity, guarantee insurance eligibility, or constitute approval for coverage.

We may use third-party technology providers to support verification, form processing, customer relationship management, scheduling, and secure data transmission.

9. Privacy and Personal Information

Information collected through the Website is handled according to our Privacy Policy.

Information may be shared with participating insurance professionals and service providers as described in that policy.

Advertising measurement and related data sharing, where used, are subject to applicable privacy requirements, user choices, and platform restrictions.

Please review our Privacy Policy and Your Privacy Choices page for additional information.

10. Website Information and Educational Content

Information provided on this Website is for general informational and marketing purposes.

It is not intended to constitute individualized insurance, legal, tax, investment, or financial advice.

Any insurance decision should be made after reviewing the applicable product information and consulting an appropriately licensed professional.

11. Third-Party Websites and Services

The Website may link to or use third-party services, including appointment calendars, communications platforms, and insurance-provider resources.

Third-party services may be governed by their own terms and privacy policies.

Swafford Enterprises, LLC does not control the independent practices of all third-party providers.

12. Prohibited Use

You agree not to use the Website to:

• Submit intentionally false or fraudulent information.
• Interfere with the Website's security or functionality.
• Attempt unauthorized access to systems or personal information.
• Abuse verification, submission, or scheduling systems.
• Engage in unlawful activity.

We may restrict access when reasonably necessary to protect the Website, its users, and participating professionals.

13. Website Availability

We strive to maintain reliable Website operations but do not guarantee uninterrupted availability.

Temporary interruptions may occur due to maintenance, technical issues, third-party services, or circumstances beyond our reasonable control.

We may modify or discontinue Website features as necessary, subject to applicable law.

14. Disclaimer of Warranties

To the extent permitted by applicable law, the Website and its informational content are provided on an "as available" basis without warranties of uninterrupted operation, accuracy, or suitability for a particular purpose.

Nothing in these Terms limits rights or warranties that cannot legally be excluded.

15. Limitation of Liability

To the extent permitted by applicable law, Swafford Enterprises, LLC will not be liable for indirect, incidental, special, or consequential damages arising from use of the Website.

Nothing in these Terms excludes or limits liability where doing so would be prohibited by applicable law.

These Terms do not modify the obligations of any issuing insurance carrier under an insurance policy.

16. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-law principles, except where mandatory consumer protection laws or other applicable requirements provide otherwise.

17. Changes to These Terms

We may update these Terms periodically to reflect changes in our services, business practices, or legal requirements.

Updated Terms will be posted on this page with a revised effective date.

Continued use of the Website after an update constitutes acceptance only to the extent permitted by applicable law.

18. Contact Information

Website Operator: Swafford Enterprises, LLC

Marketing Brand: Premier Life Group

Website: https://mypremierlife.com

Email: info@trafficlocker.com

For privacy-related requests, please visit our Privacy Policy or Your Privacy Choices page.