Effective Date: 06/2025

These Terms of Service (“Terms”) govern your use of the Horizon Insurance website and services. By accessing or using this site, you agree to comply with and be bound by these Terms.

Horizon Insurance is a brand operated by XYROS LLC, a registered limited liability company in the United States. All services, communications, and digital offerings on this site are legally managed and provided under the authority of XYROS LLC.

1. Services Offered

Horizon Insurance provides life insurance consultation, mortgage protection plans, and related financial guidance through a licensed insurance advisor. Services may include needs analysis, personalized quotes, policy illustrations, and referrals to insurance carriers. All recommendations are based on the information you provide and current underwriting guidelines.

2. Licensing Disclosure
All insurance consultations are conducted by a duly licensed life insurance advisor. Horizon Insurance operates under a resident insurance license in the Commonwealth of Massachusetts, with authorization to serve clients in multiple U.S. states through non-resident licensing, as required by state law.

3. No Guarantee of Coverage or Approval

Any quotes or preliminary offers are non-binding and for informational purposes only. Final approval, pricing, and coverage are determined solely by the insurance carrier following full application and underwriting.

4. Use of Your Information

By submitting your personal information through our website or forms, you consent to being contacted by phone, text, email, or other means for purposes related to insurance products or services, even if your number is listed on a Do Not Call registry. Your information will be handled in accordance with our [Privacy Policy].

5. Electronic Communications Consent

By using this site, you consent to receive documents, disclosures, and communications electronically. You may withdraw this consent at any time by contacting us in writing.

6. Limitation of Liability

Horizon Insurance and XYROS LLC are not liable for any loss or damage resulting from reliance on information or services provided through this site. Insurance decisions should be made after reviewing full policy details provided by the issuing carrier.

7. Modification of Terms

We reserve the right to update or modify these Terms at any time. Continued use of our website constitutes acceptance of the most current version.

8. Governing Law
These Terms are governed by the laws of the Commonwealth of Massachusetts, and where applicable, the insurance laws of the client’s state of residence.

9. Contact Information

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

Acknowledgment of Terms

By continuing to use this website or engaging with Horizon Insurance’s services, you acknowledge that you have read, understood, and agreed to these Terms of Service. If you do not accept these terms, we respectfully ask that you refrain from using our site or submitting personal information. Our goal is to serve you with transparency, professionalism, and care.