Terms & Conditions

Welcome to Lioncrest Insurance Group LLC ("Lioncrest," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our website, our SMS/text messaging services, and the insurance brokerage services we provide. By accessing or using our website or services, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, you should not access or use our website or services.

1. Acceptance of Terms

By using our services, requesting a quote, scheduling a call, subscribing to our SMS services, or browsing our website, you agree to abide by these Terms, along with any amendments or additional terms that may be posted from time to time. If you are entering into these Terms on behalf of another person (such as a spouse or parent), you represent that you have authority to do so.

2. Services Provided

Lioncrest Insurance Group LLC is an independent licensed insurance agency. We help families and individuals evaluate and enroll in insurance products, including but not limited to:

• Final expense insurance
• Term and whole life insurance
• Health insurance (including Medicare Advantage, Medicare Supplement, and individual coverage)
• Annuities and retirement income products

All services are subject to availability, carrier approval, underwriting, and applicable state insurance regulations. Products and offerings may be modified, discontinued, or updated at any time without notice.

3. Licensing

Mitchell Van Wagoner is a licensed insurance producer. As of the effective date above, Lioncrest Insurance Group LLC, through its licensed agents, is authorized to transact insurance business in the states for which active licenses are held. A current list of licensed states is available on our website, and credentials may be verified through the applicable state Department of Insurance.

4. Eligibility

You must be at least 18 years of age (or the legal age of majority in your jurisdiction) to use our services, request quotes, or enroll in coverage through us. By using our services, you represent and warrant that you meet the eligibility requirements and that all information you provide is true, accurate, and complete.

5. SMS / Text Messaging

If you have opted in to receive SMS messages from Lioncrest, you consent to receive recurring text messages at the mobile phone number you provided. Message frequency varies; message and data rates may apply. You can opt out at any time by replying STOP, and you can request help by replying HELP. For complete details on our SMS practices, please review our Privacy Policy.

6. Privacy

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to the collection and use of your information as described in the Privacy Policy.

7. No Guarantee of Coverage or Pricing

Quotes, premium estimates, and rate information provided by Lioncrest are illustrative only and are not a guarantee of coverage or final pricing. Actual premiums, coverage amounts, and policy terms are determined solely by the insurance carrier following their underwriting process. Coverage is not effective until your application has been approved by the carrier, the initial premium has been received, and the carrier has issued the policy.

8. Use of Website and Services

You agree to use our website and services for lawful purposes only and in accordance with these Terms. You may not use our services or website to:

• Violate any local, state, national, or international law or regulation;
• Provide false, misleading, or fraudulent information;
• Infringe upon the intellectual property rights of others;
• Transmit any viruses, malware, or harmful code;
• Interfere with or disrupt our website, servers, or networks;
• Attempt to gain unauthorized access to any part of our website or systems.

9. Intellectual Property

All content on the website — including text, images, graphics, logos, videos, and software — is the property of Lioncrest Insurance Group LLC or its licensors and is protected by U.S. and international intellectual property laws. You may not copy, modify, distribute, publish, or create derivative works based on any content without the prior written permission of Lioncrest Insurance Group LLC.

10. Third-Party Links and Content

Our website and communications may contain links to third-party websites, including insurance carrier portals, scheduling tools, and government resources (such as Medicare.gov). These links are provided for your convenience and do not imply endorsement or control over the content of these third-party sites. We are not responsible for the content, privacy practices, or actions of any third-party websites.

11. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

12. Limitation of Liability

To the fullest extent permitted by law, Lioncrest Insurance Group LLC, its owners, employees, and agents will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of our website or services, or any information obtained through them. This includes, without limitation, any loss of data, revenue, profits, or business opportunities. Our total aggregate liability to you for any claim arising out of or related to these Terms or our services shall not exceed one hundred U.S. dollars ($100.00).

13. Indemnification

You agree to indemnify, defend, and hold harmless Lioncrest Insurance Group LLC, its owners, employees, agents, and affiliates from any claims, damages, liabilities, losses, and expenses (including reasonable attorneys' fees) arising from your use of our website or services, your violation of these Terms, or your violation of any rights of another party.

14. Termination

We may suspend or terminate your access to our website or services at any time, without notice, if we believe you have violated these Terms. Upon termination, your right to use our website and services will cease immediately. The provisions of these Terms that by their nature should survive termination (including Sections 9, 11, 12, 13, 15, and 16) will survive.

15. Modifications to Terms

Lioncrest Insurance Group LLC reserves the right to modify, update, or change these Terms at any time. Any changes will be posted on this page with an updated "Effective Date." Your continued use of our website or services after changes indicates your acceptance of the updated Terms.

16. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict-of-law principles. Insurance policies and related services are separately governed by the laws of the state in which the policy is issued.

17. Dispute Resolution

Any disputes arising out of or connected with these Terms shall first be addressed through good-faith discussions between the parties. If the dispute cannot be resolved informally, it shall be resolved through binding arbitration administered under the rules of the American Arbitration Association, with the arbitration taking place in the State of Utah. By using our website and services, you consent to this dispute resolution process and waive any right to a jury trial or to participate in a class action.

18. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and any separately signed service agreement, constitute the entire agreement between you and Lioncrest Insurance Group LLC regarding your use of our website and services, and supersede any prior agreements on the same subject matter.

20. Contact Information

If you have questions or concerns about these Terms, please contact us:

By using our services, you acknowledge that you have read and understood these Terms and Conditions.