Terms of Services

Nexo Insurance Group Effective Date: April 29, 2026 | State of Utah, United States

1. Acceptance of Terms

By accessing nexoinsurancegroup.com, submitting a consultation request, or engaging with our services, you agree to be bound by these Terms of Service. These Terms constitute a legally binding agreement between you and Nexo Insurance Group, an independent insurance brokerage licensed in the State of Utah.

2. Description of Services

Nexo Insurance Group provides independent life insurance brokerage services including: consultations on life insurance options (Term Life, Whole Life, IUL, Final Expense); comparison of products from multiple carriers; assistance with insurance applications; ongoing client support; and educational information about life insurance and financial protection. We represent over 50 insurance companies and act as an independent broker.

3. No Insurance Contract

Information provided on our website or during consultations is for educational purposes only. Nothing on our website constitutes an offer to sell insurance or a binding insurance contract. All coverage is subject to the terms and conditions of the policy issued by the insurance carrier. Coverage is not effective until an application is approved and a policy is issued.

4. Licensing and Regulatory Compliance

Nexo Insurance Group operates in compliance with the insurance laws and regulations of the State of Utah. Bill Solorzano is a licensed insurance producer in Utah. Services in other states are subject to applicable state licensing requirements.

5. User Responsibilities

When using our services, you agree to provide accurate and complete information, use our services only for lawful purposes, and notify us promptly of any changes to your information that may affect your coverage. Providing inaccurate information on insurance applications may result in denial of claims or cancellation of coverage.

6. Communication Consent

By submitting your contact information, you consent to be contacted by Nexo Insurance Group via phone, SMS, WhatsApp, and email regarding your insurance inquiry. You may opt out of marketing communications at any time by contacting us or replying STOP to any text message. We aim to respond to all inquiries within 24 business hours.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Nexo Insurance Group shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services. We are not responsible for the actions or financial condition of any insurance carrier whose products we represent.

8. Disclaimer of Warranties

Our website and services are provided "as is" without warranties of any kind. We do not warrant that our website will be uninterrupted or error-free, or that information provided is complete or accurate at all times.

9. Intellectual Property

All content on our website, including text, graphics, logos, and images, is the property of Nexo Insurance Group and protected by applicable copyright and trademark laws. You may not reproduce or distribute our content without express written permission.

10. Governing Law

These Terms shall be governed by the laws of the State of Utah. Any dispute shall be subject to the exclusive jurisdiction of the courts of Salt Lake County, Utah. Before initiating legal action, both parties agree to attempt resolution through good-faith negotiation for 30 days.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes are effective upon posting to our website. Continued use of our services constitutes acceptance of the updated terms.

12. Contact Information

Nexo Insurance Group Phone / WhatsApp: 801-850-2236 Email: [email protected] Website: nexoinsurancegroup.com State of Utah, United States