Terms & Conditions
Last Updated: May 13th, 2025
Business Name: XenoLife Insurance LLC
Morgan Kellar is currently awaiting final approval of state licensure to act as a licensed life insurance producer. No official insurance services will be rendered until licensure is confirmed.
Welcome to our website. By accessing, browsing, or using our site and services, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully.
1. Use of This Website
This website is intended for individuals who are at least 18 years of age and reside in the United States. By using our website, you confirm that you meet these requirements.
2. Insurance Services
We are licensed life insurance producers. We do not issue policies ourselves, but act as intermediaries between you and licensed insurance carriers. All insurance products are subject to the underwriting and approval of the respective carrier.
Quotes provided through this site are for informational purposes only and are not binding offers of coverage.
3. No Legal or Financial Advice
The information on this site is for general educational and marketing purposes only and should not be construed as legal, tax, or financial advice. Please consult with a qualified advisor for your personal situation.
4. User Responsibilities
By submitting your information on this site (such as via quote request forms or contact forms), you agree that the information is truthful and accurate to the best of your knowledge. You authorize us to contact you via phone, text, email, or voicemail, including through systems such as RingCentral, even if you are on a state or federal Do Not Call list. You may opt out of communications at any time.
5. Intellectual Property
All content on this website, including logos, branding, copy, and graphics, is the property of XenoLife Insurance LLC unless otherwise stated and may not be copied, republished, or reused without written permission.
6. Third-Party Links
Our site may include links to third-party websites for your convenience or reference. We are not responsible for the content, policies, or practices of those sites.
7. Limitation of Liability
We are not liable for any indirect, incidental, or consequential damages resulting from your use of this site or our services. All services are provided “as is” and without warranties of any kind, express or implied.
8. Privacy
Use of this site is also governed by our Privacy Policy, which explains how we collect and use your personal information. By using this site, you consent to that policy.
9. Changes to Terms
We may update these Terms & Conditions from time to time. Any changes will be posted here with a revised effective date. Continued use of the site constitutes your agreement to any changes.
10. Contact Information
If you have any questions about these Terms & Conditions, please contact:
Morgan Kellar
XenoLife Insurance LLC
📧 morgan@xenolifeinsurance.com
📞 (480) 347-0134
SMS Terms & Conditions
11. SMS Consent Communication
Phone numbers collected for SMS communications will not be shared with third parties for marketing purposes.
12. Types of SMS Communications
If you have consented to receive text messages from XenoLife Insurance LLC, you may receive messages related to:
Appointment reminders
Follow-up messages
Insurance-related updates or information
13. Message Frequency
Message frequency may vary depending on the type of communication or your engagement.
14. Fees
Standard message and data rates may apply, depending on your mobile carrier and plan. Rates may differ for domestic or international messages.
15. Opt-In Methods
You may opt in to receive SMS messages from XenoLife Insurance LLC through:
Verbal consent during a phone conversation
Submitting an online form
Completing a paper form
16. Opt-Out Methods
You can opt out of receiving SMS messages at any time by replying STOP to any message. You may also contact us directly to be removed from the messaging list.
17. Help
If you are experiencing issues, reply HELP to any message, call (480) 347-0134, or email us at morgan@xenolifeinsurance.com.
18. Standard Disclosures
Message and data rates may apply.
You may opt out at any time by texting STOP.
Message frequency may vary.
For assistance, text HELP or contact us directly.