Terms & Conditions

These Terms & Conditions govern your use of PlanSmart.life and your communications with Paul Aker through PlanSmart.life.

PlanSmart.life is operated by Paul Aker, a licensed life insurance agent. By using this website, you agree to these Terms & Conditions.

Insurance Information

Information presented on this website is provided for general informational and insurance-solicitation purposes. It is not a guarantee that any particular policy, rate, benefit, or coverage amount will be available to you.

Insurance products are subject to eligibility requirements, underwriting, carrier rules, policy terms, exclusions, limitations, and availability. Coverage is not effective unless and until an insurance carrier approves the application and coverage becomes effective under the terms of the applicable policy.

No Binding of Coverage

Nothing on this website binds insurance coverage or modifies the terms of an insurance policy. Only the issuing insurance carrier can approve and issue coverage, subject to its underwriting and policy requirements.

Licensed Insurance Services

Paul Aker is licensed to provide life insurance services only in jurisdictions in which he holds the required producer license. Product availability may differ by state.

SMS Messaging Program

SMS Consent

Consent to receive text messages is optional. You may request insurance information or purchase insurance without consenting to marketing SMS messages.

Marketing and non-marketing SMS consent are separate choices. We will use your SMS consent selections to determine which categories of text messages you have authorized.

Message Frequency and Charges

Message frequency varies depending on your inquiry, application activity, service needs, and the types of messages you have chosen to receive.

Message and data rates may apply. Your wireless carrier's standard messaging and data charges, if any, are your responsibility.

How to Opt Out

You may cancel SMS messages at any time by replying STOP to a message from PlanSmart.life.

After you send STOP, you may receive a confirmation that your opt-out request has been processed. After that confirmation, you will no longer receive text messages covered by that opt-out unless you later provide new consent.

How to Rejoin

If you previously opted out and later wish to receive SMS messages again, you may re-enroll by completing an applicable PlanSmart.life opt-in form or otherwise providing valid consent through an available opt-in method.

Help and Support

For SMS assistance, reply HELP to a PlanSmart.life text message.

You may also contact:

PlanSmart.life
Operated by Paul Aker
Phone: (808) 436-7021
Website: https://protect.plansmart.life

Wireless Carrier Disclaimer

Wireless carriers are not responsible for text messages that are delayed, misdirected, or not delivered.

Privacy

Your use of PlanSmart.life and the SMS program is also governed by our Privacy Policy .

Mobile opt-in information and SMS consent records are handled as described in that Privacy Policy.

Use of the Website

You agree not to misuse this website, attempt unauthorized access, interfere with its operation, submit fraudulent information, or use the website for an unlawful purpose.

Third-Party Insurance Platforms and Carriers

Certain insurance quotations, applications, underwriting functions, policy administration functions, or other services may be provided through insurance carriers or technology platforms. Their separate terms, notices, and privacy practices may apply when you use those services.

No Legal, Tax, or Investment Advice

Unless expressly stated otherwise in connection with a properly licensed service, information on this website should not be treated as legal, tax, accounting, or investment advice.

Changes to These Terms

We may update these Terms & Conditions from time to time. Updated terms will be posted on this page with a revised effective date.

Compliance

PlanSmart.life intends to operate its messaging program in accordance with applicable telecommunications laws, carrier requirements, and industry messaging standards.

Contact

Questions regarding these Terms & Conditions may be directed to:

PlanSmart.life
Operated by Paul Aker
Licensed Life Insurance Agent
Phone: (808) 436-7021