Terms & Conditions
Last updated: June 9, 2026
1. Acceptance of Terms
By accessing or using the ApplyForLife website (the “Site”) operated by SJL Insurance Agency and Seth Legatowicz (“we,” “us,” or “our”), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the Site.
2. Services
SJL Insurance Agency provides insurance quote comparison, consultation, and policy procurement services. We represent multiple insurance carriers but do not guarantee any specific quote, rate, or policy approval. All coverage is subject to carrier underwriting and approval.
3. SMS/MMS Communications
By providing your mobile phone number and opting in, you consent to receive SMS/MMS messages from SJL Insurance Agency regarding your insurance quote requests, policy inquiries, and appointment scheduling.
- Message frequency: Message frequency varies. You may receive between 1–10 messages per month depending on your activity.
- Message and data rates may apply. Standard carrier charges may apply to SMS communications.
- Opt-out: Reply “STOP” at any time to unsubscribe. You will receive a confirmation message and no further SMS messages unless you re-opt in.
- Help: Reply “HELP” for assistance, or contact us at team@sjlagency.com.
- Supported carriers: SMS is supported by major US carriers including AT&T, Verizon, T-Mobile, and U.S. Cellular.
- Carrier disclaimer: Carriers are not liable for delayed or undelivered messages.
- Program name: SJL Insurance Agency SMS Alerts (ApplyForLife). ',
4. Privacy
Your privacy is important to us. Please review our Privacy Policy for information about how we collect, use, and protect your personal information.
5. No Unlawful Use
You agree not to use the Site or our services for any unlawful purpose or in violation of any applicable local, state, national, or international law.
6. Disclaimer
The information provided on this Site is for general informational purposes only and does not constitute professional advice. Insurance policies are contracts between you and the insurance carrier. SJL Insurance Agency acts as an intermediary and is not the insurer.
7. Limitation of Liability
To the fullest extent permitted by law, SJL Insurance Agency shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or our services.
8. Changes to Terms
We reserve the right to modify these Terms & Conditions at any time. Changes will be posted on this page with an updated “Last updated” date. Continued use of the Site after changes constitutes acceptance of the new terms.
9. Governing Law
These Terms & Conditions are governed by the laws of the State of Texas, without regard to its conflict of law provisions.
10. Contact
For questions about these Terms & Conditions, please contact us:
SJL Insurance Agency
Seth Legatowicz
team@sjlagency.com
Garland, TX