PFG LEGAL
Terms of Service
Effective Date: August 31, 2026
These Terms of Service (“Terms”) govern your use of the PFG LIFE LLC website and related online services. By accessing or using this website, submitting information, requesting an appointment, or using related website features, you agree to these Terms.
If you do not agree with these Terms, please do not use the website.
About PFG LIFE LLC
PFG LIFE LLC (“PFG,” “we,” “us,” or “our”) is an independent life insurance brokerage that provides educational information and helps individuals, families, business owners, and others review insurance and retirement-related protection options.
Educational Information Only
Information provided through this website is intended for general educational and informational purposes.
Website content is not individualized legal, tax, accounting, or investment advice. You should consult appropriately qualified professionals regarding your individual circumstances.
Information provided on this website does not create an attorney-client, tax-advisor, investment-advisor, fiduciary, or similar professional relationship.
Insurance Products and Coverage
Insurance products are subject to eligibility, underwriting, product terms, insurer requirements, and state availability.
Submitting a website form, requesting information, receiving a quote, or scheduling an appointment does not create insurance coverage.
Insurance coverage becomes effective only when an insurance policy is properly issued, accepted where required, and placed in force according to the terms of the issuing insurance company.
Premiums, coverage amounts, policy provisions, underwriting requirements, living benefits, cash values, guarantees, exclusions, waiting periods, and other features vary by insurer, product, applicant, and state.
Guarantees associated with an insurance product are backed by the claims-paying ability of the issuing insurance company.
Mortgage Protection Information
Mortgage protection information on this website is educational. PFG LIFE LLC is not a mortgage lender or government agency, and mortgage protection products discussed through PFG are not presented as lender-sponsored or government-sponsored programs.
Retirement and Insurance-Based Financial Information
Information concerning retirement income protection, annuities, indexed universal life insurance, cash value, or other insurance-based strategies is educational and should not be interpreted as a guarantee of future performance, income, returns, tax treatment, or financial results.
Actual product performance and benefits depend on the specific contract, insurer, premiums, charges, policy performance, eligibility, and other factors.
Agent Opportunity Information
Information on this website concerning insurance-agent opportunities, compensation, leads, training, technology, mentorship, agency development, or business-building opportunities is informational only.
PFG does not guarantee earnings, sales production, lead performance, promotions, recruiting results, business growth, or other financial outcomes.
Website Forms and Appointment Requests
You agree that information you submit through this website will be accurate to the best of your knowledge.
Submitting a form or scheduling an appointment authorizes PFG to use the information you provide to respond to your request and communicate with you about the subject of your inquiry.
An appointment request is not a guarantee that PFG or an insurance professional will be able to offer a particular product, service, or coverage.
Electronic Communications and Text Messages
When you provide an email address or telephone number, PFG may communicate with you according to the permissions and consent you provide.
If you separately consent to marketing text messages, message frequency may vary and message and data rates may apply. You may reply STOP to opt out and HELP for assistance.
Consent to marketing text messages is not a condition of purchasing insurance products or services.
You are responsible for providing accurate contact information and for notifying PFG if your contact information changes.
Carrier Liability and Age Eligibility
Carriers are not liable for delayed or undelivered messages.
You must be 18 years of age or older to opt in to or participate in the PFG LIFE LLC SMS messaging program.
Third-Party Companies and Websites
PFG may provide access to or information about third-party insurance companies, technology providers, websites, or other services.
Third parties operate under their own contracts, policies, privacy practices, and terms. PFG is not responsible for third-party websites or services that it does not control.
Intellectual Property
Unless otherwise stated, website content, branding, written materials, design elements, graphics, and other original content are owned by or licensed to PFG LIFE LLC and are protected by applicable intellectual-property laws.
You may use website content for personal, non-commercial informational purposes. You may not reproduce, distribute, modify, republish, sell, or commercially exploit website content without prior written permission.
Acceptable Use
You may not use this website to engage in unlawful activity, interfere with website operation or security, attempt unauthorized access, introduce malicious software, impersonate another person, submit fraudulent information, or use automated systems to improperly extract or misuse website content.
No Warranties
PFG makes reasonable efforts to provide accurate and useful information but does not warrant that website content will always be complete, current, error-free, or available without interruption.
The website and its content are provided on an “as available” basis to the extent permitted by applicable law.
Limitation of Liability
To the fullest extent permitted by applicable law, PFG LIFE LLC and its owners, employees, representatives, contractors, and affiliates will not be liable for indirect, incidental, special, consequential, or punitive damages arising from use of or inability to use this website.
Nothing in these Terms is intended to limit liability that cannot legally be limited or excluded.
Changes to the Website or Terms
PFG may modify website content, services, or these Terms from time to time.
Updated Terms will be posted on this page with a revised effective date. Continued use of the website after changes become effective constitutes acceptance of the updated Terms.
Governing Law
These Terms will be governed by and construed in accordance with the laws of the State of Arkansas, without regard to its conflict-of-law principles, except where federal law or other applicable law controls.
Contact PFG
Questions concerning these Terms may be directed to:
PFG LIFE LLC
Phone: 208-417-7295
Email: [email protected]
PFG LIFE LLC operates under the brand Productive Financial Group (PFG).
824 Oak Knoll Dr
Mountain Home, AR 72653
PFG LIFE LLC
Independent guidance for life insurance, family protection, and retirement income strategies.
Contact
Phone: 208-417-7295
Email: [email protected]
Insurance products are subject to eligibility and underwriting. Product availability varies by state. Guarantees are backed by the claims-paying ability of the issuing insurance company. Information provided is for educational purposes and is not individualized tax or legal advice. Consult a qualified tax or legal professional regarding your individual circumstances.
© 2026 PFG LIFE LLC. All rights reserved.