Terms of Use

By visiting this website, submitting a qualification form, or booking a call, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the site.

You must be 18 or older to request a review.

This site is operated by Everglade Legacy Advisors. Insurance is offered through Simon Pullay, an independent insurance professional, National Producer Number 20128364.

We are not an insurance company. Products are issued by third-party carriers. We are not affiliated with the U.S. government, any trucking company, or any mortgage lender unless we say so in writing.

Confirm licensing in your state through the NAIC producer lookup. Additional states may be supported through appropriately licensed partners.

This website is educational. It is not an insurance application, a quote, a binder, or an offer to sell. Nothing here is tax, legal, investment, or accounting advice.

Indexed Universal Life and fixed indexed annuities are insurance contracts. They are not securities, not bank deposits, and not FDIC insured. They do not invest directly in a stock-market index.

“See if I qualify” starts a short questionnaire and, if you finish, a calendar booking. A review is free and does not obligate you to buy. Completing the form does not mean you are approved, declined, or quoted.

• Carrier underwriting decides eligibility, rates, and any waiting periods
• No medical exam on many plans is not a guarantee of coverage or of day-one full benefits
• Living benefits, cash value, and return-of-premium features exist only if they are in the contract you are issued
• We may tell you a product is not a fit

Appointments are scheduled through Google Calendar. Missing a call without notice may mean we cannot hold that slot.

Pages on this site may discuss Indexed Universal Life (including for truck drivers), final expense whole life, mortgage protection, and fixed indexed annuities. Features vary by carrier, state, and underwriting.

• IUL: cash-value potential and index-linked interest are not guaranteed. Caps, participation rates, and floors (including a 0% floor on indexed credits, if any) are contractual. Policy loans and surrenders can reduce the death benefit and may cause a lapse.
• Final expense: typically a smaller permanent policy for funeral and last bills. Graded or guaranteed-issue plans often have a waiting period for natural-cause death.
• Mortgage protection: a life insurance death benefit paid to the beneficiary you name. It does not automatically pay a lender unless the policy is assigned. Return-of-premium term refunds premiums only if you outlive the term and keep the policy in force, typically without interest.
• Fixed indexed annuities: interest may be linked to an index, subject to caps, spreads, or participation rates. Surrender charges and rider fees may apply. Guarantees depend on the issuing insurer.

You agree that information you submit is accurate to the best of your knowledge. False or incomplete answers can affect underwriting later. Do not submit someone else’s information unless you have the right to do so (for example a parent who is participating in a review).

If you submit a review request, you consent to calls, emails, or texts from Everglade Legacy Advisors at the number you provide, including by autodialer, as described on the form. Consent is not required to purchase. Message and data rates may apply.

Reply STOP to end marketing texts. Email office@evergladelegacyadvisors.com to opt out of marketing emails. We may still send messages needed to complete a booking you already made.

Qualification forms are emailed through FormSubmit. Appointments use Google Calendar. ZIP lookup uses Zippopotam.us. Those companies have their own terms. We are not responsible for their sites or outages.

The Everglade Legacy Advisors name, seal, copy, and layout on this site are ours (or used with permission). Do not copy the site for a competing funnel or scrape it. Product names of insurance carriers remain those carriers’ marks.

THE SITE AND ANY REVIEW ARE PROVIDED “AS IS.” We do not warrant that the site is error-free, that a product will be available in your state, or that you will qualify for any coverage, rate, or rider. Hypothetical examples, if any, are not projections of future results.

To the fullest extent allowed by law, Everglade Legacy Advisors and Simon Pullay are not liable for indirect, incidental, special, or consequential damages arising from your use of the site, a missed appointment, or a decision you make after a review. Our total liability for claims relating to the site is limited to $100, except where the law does not allow that limit (including certain insurance-related duties).

These terms are governed by the laws of the State of Colorado, without regard to conflict-of-law rules. Exclusive venue is the state or federal courts located in Colorado, except where insurance or consumer law requires another forum.

If a provision is unenforceable, the rest still applies. These terms and the Privacy Policy are the entire agreement for use of this website.

We may update these terms by posting a new version on this page and changing the “Last updated” date. Continued use after that date means you accept the new terms.

Everglade Legacy Advisors
office@evergladelegacyadvisors.com
NPN 20128364

These terms describe use of this website. They are not a substitute for the contract an insurer would issue if you apply and are approved. This page is not legal advice.