Terms of Service
Effective Date: July 2026
By using turneramericains.com, our free financial assessment tool, or any related services (collectively, the "Services"), you agree to these Terms of Service ("Terms"). If you don't agree, please don't use the Services.
1. Who We Are
Turner America Insurance is an independent insurance brokerage based in Atlanta, GA, operated by Jonathan Turner, a licensed insurance agent, along with the licensed agents and managers on our team.
2. What We Offer
- Educational content about life insurance, IUL, and annuities.
- A free financial assessment tool to help evaluate your financial goals and coverage needs.
- Quotes and access to licensed agents who can help you apply for coverage from one of the carriers we work with.
3. Your Responsibilities
- Provide accurate and current information when requesting a quote or completing an assessment.
- Keep your account credentials (if you create an account) confidential.
- Use the Services for lawful purposes only.
- Be at least 18 years old.
4. Not Financial, Legal, or Tax Advice
Our website content, assessment results, and educational materials are for general informational purposes only and are not a substitute for personalized financial, legal, or tax advice. Any recommendations you receive are educational in nature; a licensed agent will review your specific situation before you apply for or purchase any product.
5. How Coverage Actually Works
We are an independent broker, not an insurance carrier. All policies are underwritten and issued by third-party licensed insurance carriers, not by Turner America Insurance. Coverage availability, pricing, and approval are determined by the carrier through their own underwriting process. We don't guarantee approval, specific pricing, or any particular financial outcome.
6. Disclaimers
- No guarantees: we don't guarantee specific savings, returns, or financial results from any product we discuss or recommend.
- Third parties: we aren't responsible for the actions, delays, or decisions of insurance carriers or other third parties involved in issuing your coverage.
- As-is basis: the Services are provided "as is," without warranties of any kind.
7. Limitation of Liability
To the maximum extent permitted by law, Turner America Insurance is not liable for indirect, incidental, or consequential damages, including lost profits or data, arising from your use of the Services or decisions made based on information provided through them.
8. Changes to These Terms
We may update these Terms from time to time. The "Effective Date" above reflects the latest revision. Continued use of the Services after a change means you accept the updated Terms.
9. Governing Law
These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles.
10. Contact Us
Turner America Insurance
Atlanta, GA
Email: jonathan@turner.biz
Phone: (404) 713-8043