Effective Date: 05/31/2026

Welcome to Deepwater Life. Deepwater Life is operated by Deepwater Life LLC. By accessing our website, submitting a form, booking an appointment, opting into communications, or using any product or service provided by us, you agree to these Terms of Service. Please read them carefully.

1. Business Identity

Deepwater Life is a life insurance and final expense insurance brand operated by Deepwater Life LLC. Ethan Davis is the CEO and licensed life insurance broker.

For questions or support, contact us at:

Phone: 304-220-9033

2. Services

Deepwater Life provides information and assistance related to life insurance, final expense insurance, quote requests, appointment scheduling, application follow-ups, and related insurance services.

Any insurance coverage is subject to carrier availability, underwriting, policy terms, eligibility, and state-specific rules. Submitting a form or requesting information does not guarantee coverage, approval, or a specific rate.

3. Use of Website

You agree to use our website and services only for lawful purposes. You agree not to submit false or misleading information, interfere with the website, misuse our services, or copy our materials without written permission.

4. Communications and Messaging

By providing your contact information and opting in, you may receive non-marketing text messages from Deepwater Life / Deepwater Life LLC related to inquiries, quote requests, appointment scheduling, application updates, customer service, and related insurance services.

If you separately opt in to marketing or promotional text messages, you may receive messages from Deepwater Life / Deepwater Life LLC about life insurance, final expense insurance, coverage options, appointment availability, and related services.

Message frequency may vary.

Message and data rates may apply.

Text HELP for assistance.

Reply STOP to opt out.

Consent to receive SMS messages is not a condition of purchase.

Carriers are not liable for delayed or undelivered messages.

For help, contact Deepwater Life at 304-220-9033.

5. Intellectual Property

All content, logos, design elements, text, images, and materials on our website or sent through our communications are owned by Deepwater Life LLC or licensed to us. You may not use our materials without express written consent.

6. Payment and Refunds

If applicable, pricing, payment terms, and refund terms will be clearly stated before purchase. Insurance premium payments, if any, are subject to the terms of the applicable insurance carrier and policy.

7. Limitation of Liability

To the fullest extent permitted by law, Deepwater Life LLC is not liable for indirect, incidental, or consequential damages, loss of data, loss of revenue, or issues resulting from misuse of our website or services.

8. Termination

We may restrict or terminate access to our website or services if you violate these Terms or misuse our services.

9. Governing Law

These Terms are governed by the laws of the State of West Virginia, unless otherwise required by applicable law.

10. Contact Information

For questions about these Terms, contact:

Deepwater Life

Operated by Deepwater Life LLC

Ethan Davis, CEO and licensed life insurance broker

Phone: 304-220-9033

11. Age Restriction

You must be 18 years or older to use our website and services or to receive text messages from us.

12. Privacy Policy

For details on how we collect, use, and protect your information, please review our Privacy Policy at https://deepwaterlifeandhealth.com/privacy.