Terms of Service

Effective date: November 14, 2026

These Terms of Service govern your use of livewiseinsurance.com and your communications with LiveWise Insurance Services (“LiveWise,” “we,” “our,” or “us”). By using this site or submitting a form, you agree to these terms.

1. About LiveWise

LiveWise Insurance Services is a licensed, independent insurance agency (CA Agent License #4255966, CA Corporate License #6015092) operated by Accredited Future, Inc. We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

2. Information, not advice

Content on this site is general information about insurance products and is not legal, tax, or investment advice. Plan benefits, premiums, and availability change each year and vary by county. Any recommendation we make is based on the information you provide during a review. Annuity and life insurance guarantees are backed by the claims-paying ability of the issuing insurer.

3. Contact consent

By submitting a form on this site you agree that a licensed insurance agent may contact you by phone, email, or text message to discuss Medicare Advantage, Medicare Supplement, and Prescription Drug Plans, as well as life, annuity, and dental products. Consent is not a condition of purchase.

4. SMS / text messaging terms

4.1 Consent and sharing

Phone numbers obtained through the SMS consent process will not be shared with third parties or affiliates for marketing purposes.

4.2 Types of messages

If you consent to receive text messages from LiveWise Insurance Services, you may receive conversational and service messages such as appointment confirmations, reminders, document requests, and follow-ups about your review or policy. Example:

4.3 Message frequency

Message frequency varies with the type of communication and the stage of your review. You may receive up to 5 to 40 messages per week while an application or appointment is in progress.

4.4 Fees

Standard message and data rates may apply depending on your carrier’s pricing plan. Carriers are not liable for delayed or undelivered messages.

4.5 How to opt in

• By checking the consent box on a form on this site
• By verbal consent during a call, when we ask: “Do you agree to receive text messages from LiveWise Insurance Services? Reply STOP to opt out; reply HELP for support; message & data rates may apply; message frequency may vary. Visit livewiseinsurance.com/privacy-policy/ for our Privacy Policy and livewiseinsurance.com/terms-of-service/ for our Terms of Service.”

4.6 How to opt out

Reply STOP to any message at any time, or contact us directly to be removed from our messaging list. If you do not wish to receive text messages, do not check the SMS consent box on our forms.

4.7 Help

Reply HELP to any message, call (213) 720-2323, or use our Contact page.

5. Acceptable use

You agree not to misuse the site, attempt to gain unauthorized access, or submit false information in forms or applications.

6. Intellectual property

Site content, including text, graphics, and the LiveWise name and marks, belongs to Accredited Future, Inc. and may not be reproduced without permission.

7. Limitation of liability

The site is provided “as is.” To the extent permitted by law, LiveWise is not liable for indirect or consequential damages arising from use of the site. Nothing in these terms limits your rights under an insurance policy issued by a carrier.

8. Governing law

These terms are governed by the laws of the State of California.

9. Changes

We may update these terms periodically. Changes will be posted on this page with an updated effective date.

10. Contact

LiveWise Insurance Services · El Segundo, CA · (213) 720-2323 · info@livewiseinsurance.com