terms

Last Updated: October 16, 2025

By accessing or using Roberthuggins.net (“Website”), you agree to these Terms of Service. If you disagree, please discontinue use immediately.

1. Website Purpose

Roberthuggins.net provides:

✔️ General insurance education (annuities, IULs, LTC, life insurance)
✔️ Business Consultancy Services
✔️ Business Finance Referrals
✔️ Contact information for licensed insurance services
✔️ Free quote request functionality

This is NOT a platform for:
✖️ Personalised financial/investment advice
✖️ Legal or tax guidance
✖️ Guarantees of policy approval or returns
✖️ Finance Lending/Brokering – we are not lenders nor brokers
✖️ Guarantees of loans nor credit repair(removing legitimate debt)

2. User Responsibilities

You agree to:
✅ Provide accurate information when requesting quotes
✅ Not misuse the site (spam, hacking, fraudulent activity)
✅ Be 18+ years old to request insurance services

Prohibited actions:
❌ Scraping or copying site content without permission
❌ Impersonating Robert Huggins or carriers
❌ Submitting false health/financial data

3. Insurance Services

• All insurance products are subject to:

  • Underwriting approval by carriers

  • State-specific regulations and availability

• Robert Huggins:

  • Is a licensed independent agent (License #:100229066 in State Of Illinois))

  • May receive commissions from carriers (see Disclosures)

  • Does NOT guarantee lowest premiums

4. Intellectual Property

All content (text, graphics, logos, videos) is owned by Robert Huggins and protected by:
© Copyright laws
® Trademark regulations (where applicable)

Limited permission:
You may share articles via social media with credit and link back.

5. Third-Party Links

We may link to:
• Insurance carrier websites
• Financial education resources
• Partner services (see Disclosures)

We:
✔️ Vet links for relevance
✖️ Don’t control third-party content/privacy practices

6. Disclaimers & Limitations

No warranties:

• Information is provided “as is” – we don’t guarantee accuracy or completeness

• Past performance (e.g., IUL caps) doesn’t predict future results

Liability limitation:
We’re not liable for:
• Errors/omissions in content
• Damages from website use/interruptions
• Third-party actions

7. Termination

We may suspend/terminate access for:
• Violations of these Terms
• Suspicious/fraudulent activity
• Legal compliance requirements

8. Governing Law

These Terms are governed by laws of Illinois Disputes must be filed in Cook County courts.

9. Changes to Terms

We’ll notify users of material changes via:
• Website banners (for 30 days)
• Email (for registered users)

10. Contact

For Terms-related questions:
📧 Email: info@roberthuggins.net

For insurance inquiries, visit Contact Page.

Insurance-Specific Provisions

1. Cooling-off Period Notice:
   *”You may cancel new policies per your state’s free-look period (typically 10-30 days).”*

2. State DOI Compliance:
   “All insurance marketing complies with Illinois Department of Insurance regulations.”