SMS Terms & Conditions

Effective date: October 3, 2026

These terms apply to the NOIR LIFE text messaging program and to your use of noirlife.net. By checking the consent box on our quote form or by using the site, you agree to them.

Program description

By opting in, you agree to receive text messages from NOIR LIFE about your insurance inquiry, such as quote follow-ups, appointment reminders and scheduling, application updates, and service messages. Messages may be sent using automated technology.

Consent

Consent to receive text messages is not a condition of purchasing any product or service. You can request a quote and speak with an agent without agreeing to texts.

Message frequency and costs

Message frequency varies. Message and data rates may apply, according to your mobile plan.

Opt out

You can cancel text messages at any time by replying STOP. After you send STOP, we will confirm your opt-out and you will receive no further messages from us unless you opt in again. You may also contact us at the details below.

Help

Reply HELP to any message for assistance, or contact us at (305) 690-3746 or miguel.villar@noirlife.net.

Carriers

Wireless carriers and their affiliates are not liable for delayed or undelivered messages. Message delivery depends on your carrier and device and is not guaranteed.

Eligibility

You must be at least 18 years old and the authorized user of the mobile number you provide. Tell us if your number changes or is reassigned so that we stop messaging the wrong person.

Privacy

We handle your information as described in our Privacy Policy. We do not sell or share mobile information or SMS consent with third parties or affiliates for their marketing or promotional purposes.

Website use

• The information on noirlife.net is for general information only. It is not legal, tax, or investment advice, and it is not an offer or contract for insurance.
• Coverage, pricing, and eligibility are determined by the insurance carrier and are subject to underwriting and the terms of the policy.
• Indexed Universal Life illustrations and crediting rates are not guaranteed. An IUL is not a direct investment in the market.
• Quote information you submit must be accurate and yours to provide.

Limitation of liability

To the fullest extent allowed by law, NOIR LIFE is not liable for indirect or consequential damages arising from your use of the site or text messages. The site is provided "as is."

Changes

We may update these terms from time to time. Continued use after a change means you accept the updated terms.

Contact us

NOIR LIFE
Phone: (305) 690-3746
Email: miguel.villar@noirlife.net