Legal

Terms of Service

Effective Date: September 7, 2026 · Last Updated: September 7, 2026

Acceptance of Terms

By accessing or using the AuraBay Life 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 site or services. You must be at least 18 years old and a resident of the United States to submit a request through this website.

Who We Are

AuraBay Life is an independent, licensed life insurance agency. We are not an insurance carrier and we do not issue policies, pay claims, or make coverage or underwriting determinations. We are not a bank, credit union, broker-dealer, or registered investment advisor, and we are not affiliated with, endorsed by, or acting on behalf of any government agency, the Social Security Administration, or any employer or retirement plan.

Services Provided

We assist individuals, families, and business owners in identifying and applying for life insurance coverage, including indexed universal life, whole life, and term policies. Our services include:

Connecting you with a licensed agent to discuss your situation and objectives
Identifying products you may be eligible for and presenting carrier illustrations
Facilitating the application and underwriting process with insurance carriers
Ongoing policy servicing and support after the policy is issued

We do not represent every insurance carrier or every product available in your state. The products we present are those offered by carriers we are appointed with and licensed to sell where you live.

How We Are Paid

We charge you nothing. When you place a policy through us, the insurance carrier pays us a commission, and in some cases a bonus or expense allowance. This does not add a separate fee to your premium — life insurance rates are filed with and approved by state regulators. Compensation varies by carrier, product, and premium. You may ask us how we are paid on anything we recommend, and we will tell you.

No Quote, No Guarantee of Coverage

Nothing on this website is a quote, an offer of insurance, or a policy illustration. The estimate tool produces hypothetical examples from a simplified model using fixed assumptions. Submitting the form requests a conversation with a licensed agent; it is not an application for insurance and does not bind coverage.

Any figures shown on this site or discussed with an agent before an application is submitted are estimates based on the information you provide. They are not binding. Final pricing, your underwriting class, eligibility, and the terms of any policy are determined solely by the insurance carrier, following a full application and, in most cases, a review of your medical history, prescription records, driving record, and financial information. Coverage exists only once a carrier issues a policy and the policy's own requirements for it to take effect have been met.

The policy documents issued by the carrier, and the carrier's own illustration, govern your coverage. Where anything an agent says, or anything on this site, conflicts with those documents, the carrier's documents control.

Illustrated Values Are Not Guaranteed

Indexed universal life insurance has both guaranteed and non-guaranteed elements. Cash value growth, index credits, cost of insurance charges, expense charges, caps, participation rates, and spreads are set by the carrier and may change. Only what the policy contract expressly guarantees is guaranteed.

A 0% floor protects the account from index losses, not from all losses — policy charges are deducted even in a year the index is flat or down, so account value can still decrease. Loans and withdrawals reduce cash value and death benefit, may increase the risk of lapse, and may create a taxable event. Past index performance does not predict future results, and the index is not an investment you own. Our full Disclosures page sets out the assumptions and limitations that apply to every figure on this site, and forms part of these Terms.

Contact by Phone, Text, and Email

When you submit the form on this site, you give express written consent to be contacted by AuraBay Life and its licensed agents at the phone number and email address you provide, including by automatic telephone dialing system, prerecorded, artificial, or AI-generated voice, and text message, for marketing purposes. This consent is not a condition of purchase, and you may withdraw it at any time. The details, including how to opt out, are in our Privacy Policy.

Communications you send us by our booking page, email, or text are treated as described in the Privacy Policy. Do not send sensitive information such as Social Security numbers, financial account details, or medical records through these channels.

Accuracy of Information

You agree to provide accurate, complete, and truthful information when submitting any form or communicating with our agents, and that any phone number you provide is one you own or are authorized to use. Life insurance applications require truthful answers. Providing false or misleading information during the quoting, application, or underwriting process may result in denial of coverage, rescission of the policy by the carrier, or denial of a claim.

No Legal, Tax, or Investment Advice

Nothing on this website constitutes legal, tax, accounting, or investment advice, and nothing here is a recommendation to buy, sell, or hold any security. We are an insurance agency, not a law firm, accounting firm, or investment advisor. References to tax-advantaged growth, tax-free access, or supplemental retirement income describe the general treatment of life insurance under current federal tax law and depend on facts specific to you and on law that can change. Direct those questions to your own tax advisor and attorney.

Website Availability

This website and its content are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components, or that any figure the estimate tool produces is accurate for your situation. We may modify, suspend, or discontinue any part of it at any time without notice.

Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of AuraBay Life and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written consent. Any index or company names referenced are the property of their owners and are used for identification only; their use does not imply sponsorship, endorsement, or affiliation, and index providers do not sponsor, endorse, or promote any insurance product.

Third-Party Links and Services

Our website contains links to and tools operated by third parties, including our appointment booking system. We are not responsible for the content, privacy practices, or terms of third-party sites and services. Links do not constitute an endorsement.

Acceptable Use

Do not submit false, fraudulent, or automated form entries
Do not submit another person's phone number or contact information without their permission
Do not scrape, copy, or republish the content or code of this site
Do not attempt to access systems or data you are not authorized to access

Limitation of Liability

To the fullest extent permitted by law, AuraBay Life shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or our services, including but not limited to loss of coverage, denied claims, policy lapse, tax consequences, or reliance on estimates or illustrated values. Our total liability for any claim shall not exceed the greater of the fees you paid us in connection with that claim or one hundred dollars ($100).

Nothing in these Terms limits any liability that cannot lawfully be limited, including liability for fraud or for violations of state insurance law.

Indemnification

You agree to indemnify and hold harmless AuraBay Life, its agents, and employees from any claims, damages, or expenses arising from your violation of these Terms or your use of our services, including any claim arising from your submission of another person's information without authorization.

Governing Law and Disputes

These Terms of Service are governed by the laws of the State of Florida. Any disputes shall be resolved in the state or federal courts located in Hillsborough County, Florida, and you consent to the jurisdiction of those courts.

Nothing here prevents you from filing a complaint with the Florida Department of Financial Services or the insurance regulator in your own state.

Severability and Entire Agreement

If any provision of these Terms is found unenforceable, the rest remains in effect. Our failure to enforce any provision is not a waiver of it. These Terms, together with our Privacy Policy and Disclosures, are the entire agreement between you and AuraBay Life regarding this website. They do not alter the terms of any insurance policy you obtain, which are set by the carrier.

Changes to Terms

We reserve the right to modify these Terms at any time. Updated terms will be posted on this page with a revised effective date. Continued use of our site following any changes constitutes your acceptance.

Contact Us

If you have questions about these Terms of Service, please contact us at:

AuraBay Life
5701 E Hillsborough Ave, Suite 2400
Tampa, Florida 33610
656-244-2759
info@aurabaylife.com
Mon–Sat · 9:00am–9:30pm ET · Sun · 12:00–7:00pm ET