Last Updated: May 20, 2026
Please read these Terms and Conditions carefully before using the RyCo Life Solutions website or services.
These Terms and Conditions (“Terms”) govern your use of the website operated by RyCo Life Solutions LLC (“RyCo Life Solutions,” “we,” “us,” or “our”), accessible at https://www.rycolifesolutions.com.
1. Acceptance of Terms
By accessing or using our website, submitting information, scheduling an appointment, requesting information, or communicating with us, you agree to be bound by these Terms.
If you do not agree with these Terms, you should not use our website or services.
2. Company and Website
RyCo Life Solutions LLC provides insurance-related information, education, customer support, appointment scheduling, inquiry follow-up, and assistance with coverage options from multiple insurance carriers.
Our website is accessible at https://www.rycolifesolutions.com.
3. Services
RyCo Life Solutions provides information and assistance related to life insurance, final expense insurance, burial and cremation insurance, Medicare products, annuities, and related insurance services.
Information provided through our website, forms, phone calls, text messages, emails, or representatives is for general informational purposes and does not guarantee eligibility, approval, pricing, coverage, or availability of any insurance product.
Any quote, application, policy, or coverage decision may be subject to carrier underwriting, state availability, eligibility requirements, application review, and applicable laws.
4. No Guarantee of Coverage or Pricing
Submitting a form, requesting a quote, scheduling an appointment, or speaking with a representative does not guarantee that you will qualify for coverage or that any specific insurance product, premium, benefit amount, or carrier will be available to you.
Final eligibility, rates, benefits, and coverage decisions are determined by the applicable insurance carrier and may vary based on age, location, health, underwriting, product availability, and other factors.
5. Use of the Website
You agree to use our website only for lawful purposes and in a manner that does not interfere with the operation, security, or availability of the website.
You agree not to misuse the website, attempt to gain unauthorized access to any systems, submit false or misleading information, or use the website in a way that violates applicable law.
6. Accuracy of Information You Provide
You agree that any information you provide to RyCo Life Solutions is accurate and complete to the best of your knowledge.
Insurance quotes, eligibility reviews, applications, and service-related communications may depend on the information you provide. Inaccurate or incomplete information may affect available options, pricing, eligibility, or policy decisions.
7. Intellectual Property
The content on our website, including text, graphics, logos, images, tools, design elements, and other materials, is owned by or licensed to RyCo Life Solutions unless otherwise stated.
You may not copy, reproduce, distribute, modify, or use our website content for commercial purposes without our prior written permission.
8. Third-Party Links
Our website may contain links to third-party websites or services that are not owned or controlled by RyCo Life Solutions.
We are not responsible for the content, privacy practices, security, accuracy, or availability of third-party websites or services. You access third-party websites at your own risk.
9. SMS Terms of Service
RyCo Life Solutions sends informational SMS messages to individuals who opt in through our website, contact forms, appointment forms, or other approved opt-in methods.
Messages may include responses to inquiries, appointment confirmations, appointment reminders, appointment updates, account notifications, customer support messages, and other service-related communications.
Consent to receive SMS messages is not required as a condition of purchase. Message frequency may vary. Message and data rates may apply.
Opt-In
By providing your mobile phone number and selecting the SMS consent checkbox on our website or another approved opt-in method, you agree to receive informational SMS messages from RyCo Life Solutions at the mobile phone number you provided.
You represent that the mobile phone number you provide is valid and that you are the owner or authorized user of that number.
Opt-Out
You can cancel the SMS service at any time. Just text “STOP” to the phone number that sent you the message.
After you send “STOP,” we may send you a confirmation message that you have been unsubscribed. After this, you will no longer receive SMS messages from us unless you opt in again.
Help and Support
If you are experiencing issues with the messaging program, you can reply with the keyword “HELP” for more assistance, or you can contact us directly at support@rycolifesolutions.com or 314-876-0334.
Carrier Disclaimer
Carriers are not liable for delayed or undelivered messages.
Message Frequency and Fees
Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary depending on your inquiry, appointment status, or service needs.
If you have questions about your text plan or data plan, contact your wireless provider.
Mobile Information Privacy
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Privacy Policy
If you have questions regarding privacy, please read our Privacy Policy: https://www.rycolifesolutions.com/privacypolicy/
10. Privacy
Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect information.
Please review our Privacy Policy at https://www.rycolifesolutions.com/privacypolicy/.
11. Disclaimer of Warranties
Our website and services are provided on an “as is” and “as available” basis. We do not guarantee that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
We do not warrant that any information on the website is complete, accurate, current, or suitable for your specific circumstances.
12. Limitation of Liability
To the fullest extent permitted by law, RyCo Life Solutions shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the website or services.
Nothing in these Terms is intended to limit any rights you may have under applicable law that cannot be lawfully limited or waived.
13. Changes to These Terms
We may update these Terms from time to time. When we update them, we will revise the “Last Updated” date at the top of this page.
Your continued use of our website or services after changes are posted means you accept the updated Terms.
14. Governing Law
These Terms are governed by the laws of the United States and applicable state laws, without regard to conflict of law principles.
15. Contact Us
If you have questions about these Terms and Conditions, you may contact us at:
RyCo Life Solutions LLC
Website: https://www.rycolifesolutions.com
Email: support@rycolifesolutions.com
Phone: 314-876-0334