Legal

Terms of Service

Last updated April 21, 2026

By using this site or submitting a quote request, you agree to the following terms.

Use of Site

Information provided on this site is for general informational purposes. Actual rates, availability, and underwriting decisions are determined by the issuing insurance carrier. Nothing on this site constitutes an offer of insurance or a guarantee of coverage.

Eligibility

You must be at least 18 years old and a resident of the United States to request a quote through this site.

Quote Requests

Submitting a quote request authorizes Independent Island Life Insurance to shop your application across most major carriers on your behalf. You can withdraw this authorization at any time by contacting us.

SMS Terms

We use a double-consent structure for SMS messaging with two independent opt-ins:

Transactional / service SMS (required with quote submission): Opt in by checking the required consent box on the quote form. Covers quote updates, policy follow-up, appointment reminders, and customer care.
Promotional SMS (optional): Opt in separately by checking the promotional consent box. Covers carrier rate updates, seasonal reminders, and new product offerings. Never required to receive a quote or purchase a policy.
Opt out of either category at any time by replying STOP. Each opt-out applies only to the category it's sent to.
Text HELP for assistance, or contact 435.200.4869.
Message frequency: up to 2 messages per month per category.
Message and data rates may apply.
Carriers are not liable for delayed or undelivered messages.
Consent to either SMS category is not a condition of purchase.

Privacy

See our Privacy Policy for full details on how we collect, use, and protect your information. No mobile information is shared with third parties or affiliates for marketing or promotional purposes.

No Insurance Advice

Ray Keller is a licensed independent insurance agent. Information provided during quote consultations is general in nature and based on information you supply. It is not a substitute for legal, tax, or financial advice. Please consult licensed professionals for advice specific to your situation.

Licensing

Independent Island Life Insurance operates in states where Ray Keller is properly licensed. License details are available on request.

Intellectual Property

All content on this site — including text, logos, images, and design — is the property of Independent Island Life Insurance unless otherwise noted. You may not reproduce or redistribute it without written permission.

Limitation of Liability

To the fullest extent permitted by law, Independent Island Life Insurance is not liable for any indirect, incidental, or consequential damages arising from your use of this site or our services.

Changes to These Terms

We may update these terms from time to time. Changes will be posted on this page with an updated effective date. Continued use of the site after changes constitutes acceptance.

Contact

[email protected] · 435.200.4869