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Terms & Conditions

Last updated: July 13, 2026

Notice: This template is provided for general informational purposes and is not legal advice. Please have a licensed attorney in your jurisdiction review these terms before publishing, particularly with respect to TCPA, telemarketing, and state insurance regulations.

1. About Us

This website (the “Site”) is operated by APL & SR, LLC(“APL & SR,” “we,” “us,” or “our”), a Florida limited liability company operating as an independent life insurance agency. By accessing or using the Site or contacting us by phone at (844) 736-5225, you agree to these Terms & Conditions (“Terms”). If you do not agree, please do not use the Site or our services.

2. Not an Insurer; No Guarantee of Coverage

APL & SR is not an insurance company. We are an independent agency that helps consumers review, compare, and apply for life insurance products offered by third-party insurance carriers. Any policy issuance, coverage amount, rate, underwriting decision, or claim determination is made solely by the applicable insurance carrier and is subject to that carrier’s terms, underwriting guidelines, and applicable law. Nothing on the Site constitutes an offer, solicitation, quote, or guarantee of coverage.

3. Licensing

Insurance products are offered only where APL & SR and its representatives are appropriately licensed. Availability of specific products, riders, and underwriting classes varies by state and by carrier.

4. Consent to Contact (TCPA / Telemarketing)

By submitting your contact information through any form on the Site, or by calling us, you expressly consent to be contacted by APL & SR and its licensed agents at the telephone number(s), email address(es), and mailing address you provide, including through:

  • live agent phone calls;
  • automated telephone dialing systems, artificial or prerecorded voice messages; and
  • SMS/MMS text messages,

for purposes of discussing life insurance quotes, policy reviews, and related services, even if your number is on any federal, state, or corporate Do-Not-Call list. Consent is not a condition of purchase. Message and data rates may apply. You may revoke consent at any time by replying STOP to a text message, asking to be removed during a call, or emailing service@standardresearcher.com.

5. Accuracy of Information You Provide

You agree that all information you submit (including health, tobacco use, financial, and identifying information) will be true, accurate, and complete. Misrepresentations may result in an insurance carrier declining, rescinding, or contesting coverage.

6. Informational Content Only

Content on the Site is provided for general informational purposes and does not constitute financial, tax, legal, or insurance advice. Insurance needs vary; you should consult a licensed agent regarding your specific situation before purchasing any policy.

7. Intellectual Property

All content on the Site — including text, graphics, logos, and page layout — is owned by APL & SR or its licensors and is protected by U.S. and international copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works without our prior written permission.

8. Third-Party Links

The Site may contain links to third-party websites (including insurance carriers). We do not control and are not responsible for the content, privacy practices, or terms of those third parties.

9. Disclaimer of Warranties

THE SITE AND ANY INFORMATION OR SERVICES PROVIDED THROUGH IT ARE OFFERED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, APL & SR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, APL & SR, ITS MEMBERS, OFFICERS, AGENTS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR OUR SERVICES.

11. Indemnification

You agree to indemnify and hold harmless APL & SR and its affiliates from any claim or demand arising out of your use of the Site, your violation of these Terms, or your violation of any law or the rights of a third party.

12. Governing Law & Venue

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Site shall be brought exclusively in the state or federal courts located in Florida, and you consent to personal jurisdiction and venue there.

13. Changes to These Terms

We may update these Terms from time to time. The “Last updated” date above reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

14. Contact

APL & SR, LLC
Florida, United States
Phone: (844) 736-5225
Email: service@standardresearcher.com