Last Updated: August 8, 2026
These Terms and Conditions ("Terms") are entered into by and between you and AO Heritage ("AO Heritage," "Company," "we," "us," or "our").
AOHeritage.com is owned and operated by Heritage Group LLC.
These Terms govern your access to and use of AOHeritage.com (the "Website"), including any content, functionality, services, forms, and other materials made available through the Website.
Please read these Terms carefully before using the Website.
By accessing or using AOHeritage.com, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
If you do not agree with these Terms or our Privacy Policy, you should not access or use the Website.
The Website is intended for individuals who are at least 18 years of age and located in the United States.
By using this Website, you represent that you are at least 18 years old and legally able to agree to these Terms.
AO Heritage may revise or update these Terms from time to time.
Any changes will become effective when posted on the Website unless otherwise stated.
Your continued use of AOHeritage.com following the posting of revised Terms constitutes your acceptance of the revised Terms.
We encourage you to review these Terms periodically.
AO Heritage reserves the right to modify, suspend, restrict, or discontinue any portion of the Website or any services or materials made available through the Website at any time, with or without notice.
We do not guarantee that the Website will always be available, uninterrupted, secure, or error-free.
You are responsible for making all arrangements necessary to access the Website and for ensuring that anyone accessing the Website through your internet connection complies with these Terms.
Information submitted through the Website must be accurate, current, and complete to the best of your knowledge.
You may be asked to provide contact information and insurance-related information when requesting information, an insurance quote, an appointment, or other services.
Your submission of information through the Website is also subject to our Privacy Policy.
You acknowledge that AO Heritage may use information you provide for purposes described in the Privacy Policy, including contacting you regarding insurance products and services and, where appropriate, facilitating communications with licensed insurance representatives or applicable insurance companies.
AO Heritage operates as a captive agency within the American Income Division of Globe Life.
AO Heritage is not an insurance carrier.
Information provided through AOHeritage.com may be used to help determine your insurance needs, provide information about available products, facilitate quotes, or assist with an insurance application.
Submitting information through the Website does not guarantee that you will qualify for, be approved for, or receive any insurance product or coverage.
Insurance products and coverage are subject to the applicable insurance company's underwriting requirements, policy terms, conditions, limitations, availability, and applicable state law.
Nothing on the Website should be interpreted as a guarantee of coverage, approval, benefits, rates, or policy issuance.
Information provided on AOHeritage.com is for general informational purposes.
Website content is not intended to constitute legal, tax, financial, medical, or other professional advice.
You should consult an appropriately qualified professional regarding matters requiring professional advice.
The Website and its contents, features, and functionality, including but not limited to text, graphics, photographs, logos, videos, audio, designs, displays, and other materials, are owned by AO Heritage, its affiliates, licensors, or other providers of such material and are protected by applicable intellectual property laws.
You may access and use the Website for your personal, non-commercial purposes unless otherwise expressly authorized by AO Heritage.
You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, transmit, or otherwise exploit Website materials without prior written authorization.
All rights not expressly granted under these Terms are reserved by AO Heritage and its applicable licensors.
The AO Heritage name, logos, service names, designs, slogans, and other marks appearing on the Website may be trademarks or service marks of AO Heritage, Globe Life, American Income, their affiliates, licensors, or other respective owners.
You may not use any trademark, logo, or other proprietary mark appearing on the Website without prior written permission from the applicable owner.
You may use the Website only for lawful purposes and in accordance with these Terms.
You agree not to use the Website:
When you submit information through AOHeritage.com, you represent that the information you provide is accurate and that you have the right to provide it.
You are responsible for the information you submit.
AO Heritage reserves the right to refuse, remove, or disregard information that it reasonably believes violates these Terms, applicable law, or the rights of another person.
AO Heritage reserves the right, but does not assume an obligation, to monitor use of the Website and investigate suspected violations of these Terms.
AO Heritage may suspend or terminate access to the Website when it reasonably believes that a user has violated these Terms, applicable law, or otherwise engaged in conduct that may harm AO Heritage, its affiliates, service providers, or other users.
AO Heritage may also cooperate with law enforcement or governmental authorities when legally required or reasonably necessary.
AO Heritage attempts to provide accurate and useful information through the Website.
However, Website content may not always be complete, current, or accurate.
Information about insurance products, benefits, eligibility, availability, underwriting, and other insurance matters may change.
The applicable insurance policy, contract, underwriting determination, and official insurance company documentation control in the event of any conflict with information presented on the Website.
If you provide your mobile phone number and affirmatively opt in to receive text messages through an AO Heritage form or other enrollment mechanism, you agree to receive SMS or other supported text messages from AO Heritage regarding your inquiry, requested information, appointments, insurance products, services, or related communications.
Message and data rates may apply.
Message frequency may vary.
You may opt out of receiving messages at any time by replying STOP to a message received from us.
After you send STOP, you may receive a confirmation message and will not receive additional messages unless you subsequently opt in again.
For assistance, reply HELP to a message or contact us at privacy@aoheritage.com.
Your mobile phone number, consent records, messaging preferences, and related information will be handled in accordance with our Privacy Policy.
All information collected through AOHeritage.com is subject to our Privacy Policy.
Our Privacy Policy explains how AO Heritage collects, uses, maintains, protects, and shares information provided through the Website.
By using the Website, you acknowledge the practices described in our Privacy Policy.
The Website may contain links to third-party websites, services, or resources.
These links are provided for convenience only.
AO Heritage does not control and is not responsible for the content, privacy practices, security, availability, or policies of third-party websites.
Your use of third-party websites is subject to the terms and policies of those third parties.
TO THE FULLEST EXTENT PERMITTED BY LAW, YOUR USE OF THE WEBSITE IS AT YOUR OWN RISK.
THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
AO HERITAGE DOES NOT WARRANT THAT THE WEBSITE WILL BE ACCURATE, COMPLETE, RELIABLE, SECURE, ERROR-FREE, UNINTERRUPTED, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
AO HERITAGE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE, EXCEPT TO THE EXTENT SUCH WARRANTIES CANNOT LAWFULLY BE EXCLUDED.
TO THE FULLEST EXTENT PERMITTED BY LAW, AO HERITAGE AND ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND REPRESENTATIVES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE WEBSITE OR ITS CONTENT.
THIS INCLUDES, TO THE EXTENT PERMITTED BY LAW, LOSS OF DATA, LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF BUSINESS OPPORTUNITY, OR OTHER ECONOMIC LOSS.
Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.
To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless AO Heritage, its affiliates, licensors, service providers, officers, directors, employees, agents, representatives, successors, and assigns from and against claims, liabilities, damages, losses, expenses, and costs, including reasonable attorneys' fees, arising out of or relating to:
AOHeritage.com is intended for users located in the United States.
AO Heritage makes no representation that the Website or its content is appropriate or available for use outside the United States.
If you access the Website from outside the United States, you do so at your own initiative and are responsible for compliance with applicable laws.
These Terms and your use of the Website will be governed by applicable law, without regard to conflict-of-law principles, except where otherwise required by applicable law.
Nothing in these Terms is intended to deprive you of any rights or protections that cannot lawfully be waived under the laws applicable to you.
Before initiating a formal legal proceeding regarding a dispute arising from these Terms or your use of the Website, you agree to contact AO Heritage at privacy@aoheritage.com and provide an opportunity to address the issue.
Nothing in this section prevents either party from seeking emergency or equitable relief when permitted by law.
If any provision of these Terms is determined to be invalid, illegal, or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
No failure by AO Heritage to enforce any provision of these Terms will constitute a waiver of that provision or any other provision.
A waiver must be made expressly and in writing to be effective.
These Terms and the AO Heritage Privacy Policy constitute the agreement between you and AO Heritage regarding your use of AOHeritage.com and supersede prior or contemporaneous understandings relating to the Website.
Additional terms may apply to specific products, services, applications, or communications.
Questions, comments, concerns, or requests regarding these Terms or AOHeritage.com may be directed to:
Heritage Group LLC
101 W Emma St
Tampa, FL 33603
Email: privacy@aoheritage.com
AO Heritage operates as a captive agency within the American Income Division of Globe Life. AO Heritage is not an insurance company or insurance carrier.
Insurance products are subject to the terms, conditions, limitations, underwriting requirements, availability, and approval of the applicable insurance company and applicable state law.
Information submitted through AOHeritage.com does not guarantee eligibility, approval, coverage, or issuance of an insurance policy.