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Terms

Terms of Use

Please read these terms before using this website.

Last updated October 22, 2026

About this site

This website is operated by ONWARD. Life, a Visionaries team at UniTrust Financial Group. Insurance services are offered through individually licensed agents. We are not an insurance carrier, and agent licensing varies by state.

Educational content only

Information on this site, including the chat guide, is general and educational. It is not legal, tax, financial, or medical advice and is not an offer of coverage. Product features, availability, and pricing vary by carrier and state. Your policy and carrier documents control.

No guarantee of coverage

Requesting a quote or appointment does not create a policy. All coverage is subject to the carrier’s application, underwriting, and approval.

Calls and texts

If you consent, we may contact you by call or text, including by automated means and prerecorded messages, at the number you provide. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out or HELP for help. See our Privacy Policy.

Using the site

Do not misuse the site, submit someone else’s information without their permission, or try to disrupt it. Links to outside sites, including carrier portals, are provided for convenience and are governed by those sites’ own terms.

Limitation of liability

The site is provided as is. To the extent allowed by law, we are not liable for decisions made based only on site content.

Changes

We may update these terms. The date at the top shows when they last changed.