Last updated: September 29, 2026
Welcome to H&O Life Group. These Terms of Service govern your use of our website and the services we provide. By using our website, you enter into an agreement with us based on the terms outlined below.
By accessing or using the H&O Life Group website, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, please do not use our website.
Our website provides information about life insurance products and allows you to request quotes from licensed insurance advisors. You agree to use our services only for lawful purposes and in a manner that does not infringe the rights of others.
You must provide accurate and complete information when requesting a quote or contacting us. Misrepresentation of your personal or health information may result in denial of coverage or cancellation of a policy.
All insurance products are offered through licensed insurance carriers and are subject to underwriting and state availability. Quotes provided through our website are estimates only and are not a guarantee of coverage or premium rates.
H&O Life Group is a licensed insurance agency. Not all products are available in all states. Product features and availability are subject to state approval.
All content on this website, including text, graphics, logos, and images, is the property of H&O Life Group or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
Our website may contain links to third-party websites that are not owned or controlled by us. We are not responsible for the content, privacy policies, or practices of any third-party sites and assume no liability for their actions.
The information on our website is provided on an "as is" basis without warranties of any kind, either express or implied. We do not guarantee that the information is accurate, complete, or current. Your use of our website is at your own risk.
To the fullest extent permitted by law, H&O Life Group shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use our website or services.
You agree to indemnify and hold harmless H&O Life Group, its officers, directors, employees, and agents from any claims, damages, or expenses arising out of your use of our website or your violation of these Terms of Service.
We reserve the right to modify these Terms of Service at any time. Any changes will be posted on this page with an updated revision date. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.
These Terms of Service shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law principles.
If you have any questions about these Terms of Service, please contact us at support@hartwelloak.com in Oakwood, Georgia.