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Terms of Service

Last updated: January 25, 2026

1. Agreement to Terms

By accessing or using ValorLife Guard's website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

ValorLife Guard provides life insurance products and related financial services specifically designed for veterans and military families. Our services include:

 

  • Term life insurance policies

  • Whole life insurance policies

  • Online quote generation

  • Policy management tools

  • Educational resources and financial planning guidance

  • Survivor assistance services

3. Eligibility

To use our services, you must be:

 

  • At least 18 years of age

  • A legal resident of the United States

  • Capable of entering into a legally binding agreement


While our services are designed for veterans and military families, we welcome all eligible applicants.

4. Quote and Application Process

Quotes provided through our website are estimates based on the information you provide. Final premium rates and coverage terms are subject to underwriting approval and may differ from initial quotes based on:

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  • Verification of provided information

  • Medical history (when applicable)

  • Lifestyle factors

  • Coverage amount and term selected

5. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.

6. Accuracy of Information

You agree to provide accurate, current, and complete information during the quote and application process. Providing false or misleading information may result in denial of coverage or policy cancellation.

7. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of ValorLife Guard and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.

8. Limitation of Liability

ValorLife Guard and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the amount of premiums paid under your policy in the preceding 12 months.

9. Insurance Policy Terms

These Terms of Service govern your use of our website and services. The terms and conditions of any insurance policy you purchase are contained in the policy documents themselves, which will be provided to you upon issuance.

10. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services constitutes acceptance of any modified terms.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law provisions.

12. Contact Information

For questions about these Terms of Service, please contact us:

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  • Phone: 1-800-VALORLIFE (1-800-825-6754)

  • Email: privacy@valorlifeguard.com

  • Address: Privacy Officer, 123 Honor Way, Arlington, VA 22201

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