Terms & Conditions

Last updated: September 6, 2026

These Terms & Conditions ("Terms") govern your use of the Xiphos Insurance Solutions website and any communications you have with us, including by phone, email, or SMS text message. By using this website or submitting your information to us, you agree to these Terms.

1. Educational Purpose Only

The content on this website is provided for general educational and informational purposes only. It does not constitute financial, tax, insurance, or legal advice, and should not be relied upon as a substitute for consultation with a licensed professional regarding your specific situation.

2. No Guarantee of Outcomes

Indexed Universal Life (IUL) insurance and any other products discussed on this website are not deposits, are not FDIC insured, and are not direct investments in any stock market index. Cash value growth, loan provisions, caps, floors, and participation rates vary by carrier and policy, and are not guaranteed unless explicitly stated in the applicable policy contract. Product availability varies by state.

3. Licensed Agency

Xiphos Insurance Solutions is an independent insurance agency. We are not affiliated with, endorsed by, or sponsored by any government agency, including the Social Security Administration or Medicare.

4. SMS / Text Messaging Terms

By submitting your phone number through this website or otherwise consenting to receive text messages, you agree to receive SMS communications from Xiphos Insurance Solutions related to your inquiry. Message and data rates may apply, and message frequency varies. You may reply STOP at any time to opt out, or reply HELP for assistance. Consent to receive text messages is not a condition of purchasing any product or service.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.

5. Use of the Website

You agree to use this website only for lawful purposes and not to submit false or misleading information. You agree not to attempt to interfere with the proper functioning of the website or access it in a manner not permitted by these Terms.

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Xiphos Insurance Solutions or its licensors and may not be copied, reproduced, or distributed without permission.

7. Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of any third-party websites.

8. Limitation of Liability

To the fullest extent permitted by law, Xiphos Insurance Solutions shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on any information provided on it.

9. Changes to These Terms

We may update these Terms from time to time. Continued use of this website after changes are posted constitutes your acceptance of the revised Terms.

10. Governing Law

These Terms shall be governed by the laws of the state in which Xiphos Insurance Solutions is licensed to conduct business, without regard to conflict of law principles.

11. Contact Us

If you have questions about these Terms, please contact us: