Terms & Conditions

Terms & Conditions
Effective Date: 04/30/2026

By using our website, submitting your information, or communicating with Herron & Co. Legacy Agency, you agree to the following terms.

“You can cancel the SMS service at any time. Just text "STOP" to the [Phone Number]. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [support email address or toll-free number].”

1. Services

We provide information and consultation regarding life insurance and financial protection products. We are not a government agency.

2. No Guarantee of Coverage

Submitting your information does not guarantee approval for any insurance product. All coverage is subject to underwriting and carrier approval.

3. SMS & Phone Consent

By submitting your contact information, you consent to be contacted by:

Phone calls

Text messages (SMS/MMS)

Automated systems

at the number you provided.

Message frequency varies.

Message/data rates may apply.

You may opt out at any time by replying STOP.

4. User Responsibilities

You agree that:

Information you provide is accurate

You are at least 18 years old

You are requesting information voluntarily

5. No Misuse

You agree not to use our forms or services for fraudulent or false submissions.

6. Third-Party Services

We may use third-party tools such as CRM systems, SMS providers, and scheduling software to operate our business.

7. Limitation of Liability

We are not responsible for any damages resulting from use of our website, services, or communications.

8. Changes to Terms

We may update these terms at any time. Continued use of our services means you accept the updated terms.

9. Contact Information

Herron & Co. Legacy Agency
Email: [email protected]
Phone: 610-360-8583

Frequently Asked Questions

Common Questions Answered for your convenience.

What types of insurance do you specialize in?

Final Expense Insurance

Mortgage Protection Insurance

Indexed Universal Life Insurance

Do I need a medical exam to get life insurance?

Not always. While traditional policies often require a paramedical exam to get the best rates, many companies now offer accelerated underwriting or "no-exam" policies where you only answer health questions.

Isn't workplace life insurance enough?

Often, it is not. Employer-provided insurance is typically only one or two times your salary, which may not cover all your family's needs, and you usually lose the coverage if you change jobs.

Do I really need life insurance?

Yes, if anyone depends on your income to maintain their standard of living, such as a spouse, children, or a partner with a joint mortgage.

How much life insurance do I need?

A common rule of thumb is to have 10-12 times your annual salary in coverage, or you can use the DIME method: Total up your Debt, Income replacement, Mortgage payoff, and Education costs.

What is the difference between term, whole, indexed Universal Life insurance?

Term Life- ideal for temporary needs like covering a 30-year mortgage, replacing income during working years, or protecting a family until children are grown. No cash value, expires at the end of the term, lower premiums.

Whole Life- Best for long-term needs like estate planning, funeral costs, or wealth transfer. Lifelong coverage, accumulates cash value, higher premiums.

Indexed Universal- Suited for individuals seeking permanent coverage who also want cash value growth tied to the stock market without direct market risk. Flexible premiums.