Terms of Service

Effective Date: August 14, 2026

Welcome to Sally Slack, Life and Health Insurance Consultant ("we," "us," or "our"). By accessing or using our website ThatLifeLady.com and our services, you agree to comply with and be bound by the following Terms of Service. Please review them carefully. If you do not agree to these terms, you should not use this website.

1. Services Provided

Our website provides users with information regarding life and health insurance products, educational resources, and tools to request insurance quotes or consultation services.

  • Independent Agent Status: We act as an independent insurance broker. We do not issue insurance policies or underwrite risk.

  • Quotes are Estimates: Any insurance quote provided on this website is an estimate based on the information you provide. Final premium rates and coverage details are determined solely by the insurance carrier after completing formal underwriting.

2. No Professional Advice

The content on this website is for informational purposes only. It does not constitute legal, tax, financial, or medical advice. Insurance needs vary by individual. You should consult with us directly or speak to a qualified professional before making financial or healthcare decisions based on website content.

3. User Obligations and Eligibility

By using this site, you represent and warrant that:

  • You are at least 18 years of age.

  • All information you submit (including age, health history, and tobacco use) is accurate, truthful, and complete.

  • Providing fraudulent or misleading information to obtain insurance is a violation of law and may result in the denial of claims or cancellation of coverage by the carrier.

4. TCPA Communication and Marketing Consent

By providing your phone number, wireless number, and/or email address on this website, you expressly authorize Sally Slack, Life and Health Insurance Consultant and its partners to contact you.

  • Consent Details: You agree to receive automated marketing communications, including phone calls, prerecorded or artificial voice messages, text messages (SMS/MMS), and emails.

  • Technology Used: These communications may be sent using an automatic telephone dialing system (ATDS) or predictive dialer.

  • Frequency and Rates: Message and data rates may apply. Consent frequency varies based on your requested insurance quotes and account activity.

  • No Purchase Required: You acknowledge that your consent is not a condition, directly or indirectly, of purchasing any property, goods, or services.

  • Opt-Out Instructions: You may revoke your consent at any time. To stop receiving text messages, reply "STOP" to any message. To opt out of phone calls, please inform the representative or contact us directly at [Email Address] with your request.

5. Licensing and Geographic Restrictions

Sally Slack, Life and Health Insurance Consultant is a licensed insurance agent/agency in the following states: California, Ohio, Illinois, Michigan, South Carolina, Virginia, New York.

  • Our services are intended solely for residents of states where we are legally licensed to conduct business.

  • This website does not constitute an offer to sell or a solicitation of insurance in any jurisdiction where we are not licensed.

6. Intellectual Property

All content on this website, including text, graphics, logos, icons, images, and software, is the property of Sally Slack, Life and Health Insurance Consultant or its content suppliers and is protected by United States copyright and trademark laws. You may not copy, distribute, or modify any part of this site without our express written consent.

7. Third-Party Links

Our website may contain links to external websites operated by third parties, such as insurance carriers, healthcare portals, or financial institutions. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites.

8. Comprehensive Insurance Disclaimers

  • Carrier Discretion: All insurance products, rates, and coverage options displayed on this site are subject to carrier underwriting approval. Sally Slack, Life and Health Insurance Consultant does not guarantee that you will qualify for coverage or receive the specific rates displayed.

  • Affiliation Disclaimer: This website is operated by an independent licensed insurance agent and is not affiliated with, endorsed by, or connected to the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), or any other government agency.

  • CMS Health Insurance Marketplace Disclaimer (If Applicable): We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact HealthCare.gov or 1-800-MEDICARE to get information on all of your options.

9. Limitation of Liability

To the fullest extent permitted by law, Sally Slack, Life and Health Insurance Consultant shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of, or inability to use, this website or our services. This includes, but is not limited to, delays in quote delivery, technological disruptions, or carrier decisions to deny coverage.

10. Changes to Terms

We reserve the right to update or modify these Terms of Service at any time without prior notice. Your continued use of the website following any changes constitutes your acceptance of the revised terms.

11. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

12. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Sally Slack, Life and Health Insurance Consulting