Terms & Conditions

Wisconsin River Insurance Agency, LLC

Effective Date: July 10, 2026 | Last Updated: July 10, 2026

1. Agreement to Terms

By accessing or using the website, forms, surveys, landing pages, or any other digital properties operated by Wisconsin River Insurance Agency, LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use our website or services.

2. Description of Services

Wisconsin River Insurance Agency, LLC is an independent, licensed insurance agency that helps individuals and families find life insurance and mortgage protection coverage. We connect consumers with insurance products offered by third-party insurance carriers. We are not an insurance company — we are a licensed agency and brokerage.

We do not guarantee the availability, pricing, or approval of any insurance product. All coverage is subject to the terms, conditions, and underwriting requirements of the issuing insurance carrier.

3. Not Financial or Legal Advice

The information provided on our website and through our agents is for general informational purposes and to assist you in evaluating insurance options. It does not constitute financial, legal, tax, or investment advice. You should consult with qualified professionals for advice specific to your individual circumstances.

4. Eligibility

Our website and services are intended for use by individuals who are at least 18 years of age and reside in the United States. By using our services, you represent that you meet these requirements.

5. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting forms, surveys, quote requests, or applications through our website. Providing false or misleading information may result in denial of coverage by an insurance carrier and may violate applicable laws.

6. Communications Consent

By submitting a form, survey, quiz, or quote request on our website, you expressly consent to receive communications from Wisconsin River Insurance Agency, LLC and its affiliated licensed agents, including:

• Phone calls (including calls made using automated dialing systems and prerecorded or artificial voice messages)
• Text messages (SMS/MMS)
• Emails

Communications may be sent to the phone number and/or email address you provided and may include marketing and informational content related to insurance products and services. Consent to receive communications is not a condition of purchasing any product or service.

You may opt out at any time:

• Text messages: Reply STOP to any message
• Emails: Click the unsubscribe link in any email
• Phone calls: Inform your agent or call us at (608) 933-9901

Message and data rates may apply. Message frequency varies based on your inquiry and engagement.

7. Third-Party Insurance Carriers

Insurance products referenced or recommended through our services are issued by third-party insurance carriers. Wisconsin River Insurance Agency, LLC is not the insurer and does not guarantee the performance, claims-paying ability, or financial strength of any carrier. All insurance policies are governed by the terms, conditions, and exclusions of the issuing carrier's policy documents.

8. No Guarantee of Coverage or Rates

Quotes, rate estimates, and coverage illustrations provided through our website or by our agents are estimates only and are subject to change based on the insurance carrier's underwriting process. Actual rates, coverage amounts, and eligibility are determined by the issuing insurance carrier upon completion of an application. We do not guarantee that you will qualify for any specific product, rate, or coverage amount.

9. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Wisconsin River Insurance Agency, LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our prior written permission.

10. Prohibited Uses

You agree not to use our website or services to:

• Submit false, misleading, or fraudulent information
• Interfere with or disrupt the operation of our website
• Attempt to gain unauthorized access to our systems or data
• Use automated tools (bots, scrapers, etc.) to access our website without permission
• Violate any applicable local, state, or federal law or regulation

11. Limitation of Liability

To the maximum extent permitted by law, Wisconsin River Insurance Agency, LLC and its owners, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, including but not limited to loss of profits, data, or business opportunities, regardless of the theory of liability.

Our total liability for any claim arising out of or related to these Terms or our services shall not exceed the amount you paid to us, if any, during the twelve (12) months preceding the claim.

12. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components.

13. Indemnification

You agree to indemnify, defend, and hold harmless Wisconsin River Insurance Agency, LLC and its owners, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of our website or services, your violation of these Terms, or your violation of any rights of another party.

14. Privacy

Your use of our website and services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our services, you acknowledge that you have read and understood our Privacy Policy.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Wisconsin, without regard to its conflict of law provisions. Any dispute arising out of or related to these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Wisconsin.

16. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

17. Changes to These Terms

We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of our website or services after any changes constitutes acceptance of the revised Terms.

18. Contact Us

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

Wisconsin River Insurance Agency, LLC
1010 Wisconsin Dells Pkwy, Suite 2
Wisconsin Dells, WI 53965
Phone: (608) 933-9901
Email: [email protected]