Terms of Use

Effective date: September 30, 2026

These Terms of Use apply to your use of this website, operated by Darragh Curley, an independent licensed life insurance agent doing business as Road Ready Life ("we," "us," "our"). By using this website, you agree to these terms.

Who we are

We are an independent insurance agent, not an insurance company. We are licensed to sell life insurance in certain states and are appointed with multiple insurance companies. We are not affiliated with any government agency.

Information only, not advice

The content on this website is general information about life insurance. It is not financial, tax, investment or legal advice. Talk to a qualified professional about your specific situation.

No guarantee of coverage

Submitting the questionnaire does not create an insurance policy or guarantee coverage. All coverage is subject to the insurance company's underwriting and approval. Products, benefits, riders, features and pricing vary by insurance company, state and individual, and are not available to everyone. The actual terms of any policy are set out in the policy contract issued by the insurance company.

Indexed Universal Life

Indexed Universal Life insurance is not an investment in the stock market. Index crediting is subject to caps, participation rates and policy charges. Cash value growth is not guaranteed. Policy loans and withdrawals reduce cash value and death benefit, accrue interest, and may have tax consequences if the policy lapses. Underfunding a policy may cause it to lapse.

Consent to be contacted

When you submit the questionnaire and check the consent box, you agree that we may contact you at the phone number and email you provide, including by calls and text messages that may use automated technology or prerecorded messages, about life insurance. Consent is not a condition of purchase. Message and data rates may apply. You can opt out at any time by replying STOP to a text or asking us not to contact you.

Accurate information

You agree that the information you provide is accurate and that it is your own, and that the phone number you provide is yours.

Website use

You agree not to misuse this website, including by submitting false information, attempting to access it without permission, or interfering with how it works. The content, name and design of this website belong to us and may not be copied without permission.

Disclaimer and limitation of liability

This website is provided "as is." To the fullest extent allowed by law, we are not liable for any indirect or consequential damages arising from your use of this website. Nothing in these terms limits any rights you have under insurance laws or other laws that cannot be waived.

Privacy

Our Privacy Policy explains how we collect and use your information.

Governing law

These terms are governed by the laws of the State of Vermont, without regard to conflict-of-law rules.

Changes

We may update these terms from time to time. The effective date at the top shows when they were last changed.

Contact us

Darragh Curley, doing business as Road Ready Life
Attn: Darragh Curley
4144 Harbor Rd, Shelburne, VT 05482
Email: hello@roadreadylife.com
Phone: (802) 324-6489