MAGEN FAMILY LLC — TERMS OF SERVICE Last Updated: 12/11/2025
These Terms of Service (“Terms”) govern your use of magenfamily.com (the “Site”), operated by Magen Family LLC (“Magen Family,” “we,” “us,” or “our”). By using this Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. Description of the Service
Magen Family LLC is a life-insurance broker. The Site allows you to:
•Learn about our services
•Request information or quotes
•Submit information that may be used for life-insurance applications
We do not issue insurance policies ourselves; policies are issued by third-party insurance carriers.
We do not accept online premium payments or sell products directly on this Site.
2. No Financial, Tax, or Legal Advice
The content on this Site is for general informational purposes only.
Nothing on this Site is intended to:
•Provide financial advice
•Provide tax advice
•Provide legal advice
•Serve as a guarantee of coverage or price
You should consult with a qualified financial advisor, tax professional, or attorney regarding your specific situation before making any decisions.
Any quote or estimate provided through this Site is not a guarantee and is always subject to underwriting approval and the terms and conditions of the insurance carrier.
3. Eligibility and Accuracy of Information
You agree that:
• You are at least 18 years old
• The information you provide is true, accurate, and complete to the best of your knowledge
• You will not submit information for someone else without proper authorization
Providing false, misleading, or incomplete information may result in:
• Incorrect quotes
• Delays in processing
• Denial or cancellation of coverage by the insurance carrier
4. Use of the Site
You agree to use the Site only for lawful purposes and in a manner that does not:
• Violate any applicable law or regulation
• Interfere with or disrupt the Site or its servers
• Attempt to gain unauthorized access to any part of the Site, its data, or other users’ information
We may suspend or terminate your access to the Site if we believe you are misusing it.
5. Privacy
Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.
You can review the Privacy Policy here.
By using the Site, you consent to our collection and use of information as described in the Privacy Policy.
6. No Guarantee of Coverage or Quotes
Any quotes, rate indications, or policy descriptions provided through the Site:
• Are based on the information you provide
• Are not binding on us or any insurance carrier
• May change after underwriting review
Final approval, pricing, coverage amounts, and policy terms are determined solely by the insurance carrier and are subject to their underwriting guidelines and requirements.
7. Third-Party Links and Services
The Site may contain links to third-party websites or may use third-party services
We are not responsible for:
• The content, accuracy, or practices of third-party websites
• The availability of those sites or services
Your use of third-party sites is at your own risk and subject to their terms and policies.
8. Intellectual Property
All content on the Site—such as text, graphics, logos, and layout—is owned by or licensed to Magen Family LLC and is protected by applicable copyright and intellectual property laws.
You may:
• View and print content for your personal, non-commercial use
You may not:
• Copy, modify, distribute, or republish Site content without our prior written consent.
9. Disclaimer of Warranties
The Site and its content are provided on an “as-is” and “as-available” basis.
We do not warrant that:
• The Site will be uninterrupted or error-free
• Information on the Site is always complete, accurate, or current
• Any particular result will be achieved from using the Site
To the maximum extent permitted by law, we disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
10. Limitation of Liability
To the fullest extent allowed by law:
• Magen Family LLC, its owners, employees, and agents are not liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the Site, even if we have been advised of the possibility of such damages.
Our total liability for any claim arising out of or relating to the Site or these Terms will not exceed one hundred dollars (US $100).
Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you.
11. Indemnification
You agree to indemnify, defend, and hold harmless Magen Family LLC and its owners, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:
• Your use of the Site
• Your violation of these Terms
• Your violation of any applicable law or the rights of any third party
12. Governing Law
These Terms are governed by the laws of the State of New York, without regard to its conflict-of-law principles.
13. Dispute Resolution and Arbitration
Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site shall be resolved by binding arbitration on an individual basis, and not as part of any class or representative action.
• The arbitration will be conducted in or near New York State, under the rules of a recognized arbitration provider.
• The arbitrator’s decision will be final and binding, and judgment on the award may be entered in any court with jurisdiction.
You and Magen Family LLC each waive any right to a jury trial or to participate in a class action.
Nothing in this section prevents you from bringing any issue to the attention of a regulator or insurance authority.
14. Changes to These Terms
We may update these Terms from time to time. When we do, we will update the “Last Updated” date at the top of this page.
Your continued use of the Site after changes are posted means you accept the revised Terms.
15. Contact Us
If you have questions about these Terms, contact us: Email: legal@magenfamily.com