Terms & Conditions

Last Updated: September 26, 2026

Welcome to Dan Roman Insurance. These Terms & Conditions (“Terms”) govern your access to and use of the Dan Roman Insurance website, including DanRomanInsurance.com, and related website services.

By accessing or using this website, you agree to these Terms. If you do not agree with these Terms, please do not use this website.

1. About Dan Roman Insurance

Dan Roman Insurance provides educational information and insurance services relating to:

Term Life Insurance

Whole Life Insurance

Annuities

Information presented on this website is intended to help consumers learn about insurance and annuity concepts and available options.

Visitors may request additional information, request a quote, schedule a consultation, or contact Dan Roman Insurance to discuss their individual insurance needs. Such communications may ultimately lead to an insurance or annuity recommendation, application, and purchase through an appropriately licensed insurance agent.

Insurance and annuity products are issued by third-party insurance companies and are subject to the terms, conditions, availability, underwriting requirements where applicable, and approval requirements of the issuing insurance company.

Dan Roman Insurance can be contacted at:

Dan Roman Insurance
7901 4th Street North, STE 300
Saint Petersburg, FL 33702
Phone: +1 562-284-8741

2. Educational and General Information

The information provided on this website is primarily intended for general informational and educational purposes. Website content may explain insurance concepts, types of insurance or annuity products, potential features, and other general insurance-related topics.

Website content alone is not an insurance policy, annuity contract, application, or guarantee of coverage and does not create an insurance contract between you and Dan Roman Insurance or an insurance company.

Information appearing on this website should not be interpreted as a guarantee that any particular insurance or annuity product is available, appropriate, or suitable for a particular individual.

Dan Roman Insurance may provide more individualized information after a consumer voluntarily contacts us and provides information concerning their needs and circumstances.

Unless expressly stated otherwise, information provided on this website is not intended as legal, tax, accounting, or securities investment advice. Consumers should consult appropriately qualified professionals regarding those matters when necessary.

3. Requests for Information and Quotes

Visitors may use this website to request information, request a quote, schedule an appointment, or otherwise contact Dan Roman Insurance.

Submitting a request does not obligate you to purchase an insurance or annuity product, nor does it guarantee that a particular product, rate, premium, benefit, or coverage will be available.

Likewise, submitting information through this website does not itself create insurance coverage or an insurance contract.

Any insurance or annuity transaction resulting from an inquiry is subject to applicable licensing requirements, product availability, carrier requirements, underwriting where applicable, and the terms and conditions established by the issuing insurance company.

4. Insurance Company Contracts

Dan Roman Insurance may assist consumers who choose to obtain additional information, request a quote, apply for coverage, or purchase an insurance or annuity product.

If your interaction with Dan Roman Insurance results in the purchase of an insurance or annuity product, the insurance policy or annuity contract is issued by the applicable third-party insurance company and constitutes a separate contractual agreement between you and that insurance company.

These website Terms & Conditions govern your use of the Dan Roman Insurance website and related website services. They do not modify, replace, amend, supersede, or override the terms, conditions, benefits, exclusions, limitations, guarantees, premiums, rates, surrender provisions, riders, or other provisions contained in an insurance policy, annuity contract, application, illustration, disclosure, or other contractual documentation issued or approved by an insurance company.

In the event of any difference or conflict between information appearing on this website and the terms of an insurance policy or annuity contract, the terms of the applicable insurance company policy or contract will govern.

Dan Roman Insurance may act as an insurance agent in facilitating an insurance transaction with an insurance company. Dan Roman Insurance is not the insurance company issuing the policy or annuity contract and does not independently provide the insurance coverage or contractual guarantees contained in those products.

Any guarantees associated with an insurance or annuity product are subject to the terms of the applicable contract and the claims-paying ability of the issuing insurance company.

5. Insurance and Annuity Product Information

Insurance and annuity products can vary significantly by insurance company and contract.

Product availability, features, benefits, premiums, interest-crediting methods, guarantees, surrender periods, withdrawal provisions, riders, limitations, exclusions, charges, and other terms may vary.

Information appearing on this website should therefore not be relied upon as a substitute for the actual insurance policy, annuity contract, illustration, disclosure documents, or other documentation provided in connection with a particular insurance product.

Consumers should carefully review the documentation associated with any insurance or annuity product before purchasing it.

6. Annuity Information

Annuities are insurance products that may be used to address certain long-term financial and retirement objectives.

Different annuity products may provide different features, including potential accumulation, income benefits, death benefits, withdrawal features, riders, and contractual guarantees.

Certain annuity contracts may contain surrender charges, withdrawal limitations, market value adjustments, rider charges, or other restrictions or costs. Withdrawals or distributions may also have tax consequences.

Any guarantees associated with an annuity are subject to the terms of the applicable contract and the claims-paying ability of the issuing insurance company.

Specific annuity recommendations, illustrations, rates, benefits, or contractual features should be evaluated using the applicable insurance company's current documentation and in consideration of the consumer's individual circumstances and objectives.

7. No Guarantee of Coverage, Rates, or Results

Dan Roman Insurance does not guarantee that a consumer will qualify for or be approved for any particular insurance or annuity product.

Quotes, estimates, illustrations, rates, premiums, benefits, and other product information may be subject to change and are not guaranteed unless provided as part of a binding contract issued by the applicable insurance company.

Dan Roman Insurance does not guarantee any particular financial result, insurance rate, credited interest rate, income amount, policy performance, or other outcome.

8. Applications and Existing Coverage

Submitting an application does not necessarily mean that coverage has been approved or placed in force.

Coverage becomes effective only in accordance with the terms, requirements, and confirmation of the issuing insurance company.

Consumers should not cancel, replace, surrender, or materially modify existing insurance or annuity coverage solely because they have requested information or submitted an application for another product.

Consumers should confirm the effective status of any replacement or new coverage before making changes to existing coverage.

9. Website Communications

When you voluntarily submit information through this website, you authorize Dan Roman Insurance to respond to your request using the contact information you provide, subject to applicable law and the communication preferences and consent choices you have selected.

Providing inaccurate or incomplete information may affect our ability to respond to your request or provide relevant information.

10. SMS/Text Messaging Terms

Dan Roman Insurance may offer SMS/text-message communications to individuals who voluntarily opt in.

Depending upon the consent you provide, non-marketing messages may include appointment reminders, service-related communications, responses to inquiries, and other communications relating to a request you have made.

If you separately opt in to marketing and promotional text messages, communications may also include information about insurance products and services offered through Dan Roman Insurance.

Message frequency varies. Message and data rates may apply.

Consent to receive marketing text messages is voluntary and is not a condition of purchasing an insurance product, obtaining a quote, or receiving services from Dan Roman Insurance.

You may opt out of text messages at any time by replying STOP. You may receive a final confirmation message acknowledging your opt-out request.

For assistance, reply HELP or contact Dan Roman Insurance at +1 562-284-8741

Wireless carriers are not liable for delayed or undelivered messages.

Information collected in connection with SMS communications is also handled in accordance with our Privacy Policy.

11. Privacy

Your privacy is important to us.

Information collected through this website is handled in accordance with the Dan Roman Insurance Privacy Policy.

The Privacy Policy describes our practices concerning information collected through the website, including contact information, information voluntarily provided by consumers, and information relating to SMS/mobile communications and consent.

12. Third-Party Insurance Companies and Services

Dan Roman Insurance may provide information about or facilitate access to products issued by independent third-party insurance companies.

Those insurance companies are separate entities and maintain their own contractual obligations, underwriting requirements, product documentation, policies, procedures, and privacy practices.

Dan Roman Insurance does not control an insurance company's underwriting decisions, approval decisions, claims determinations, product availability, contractual performance, or financial condition.

13. Third-Party Websites and Links

This website may contain links to websites or services operated by third parties.

Such links may be provided for convenience or informational purposes. Dan Roman Insurance does not control and is not responsible for the content, availability, security, accuracy, or privacy practices of third-party websites.

Use of third-party websites is subject to the terms and policies of those third parties.

14. Website Accuracy and Availability

Dan Roman Insurance makes reasonable efforts to provide useful and accurate information. However, we do not guarantee that every piece of website information will always be complete, current, error-free, or continuously available.

Insurance products, carrier requirements, rates, features, laws, regulations, and other information may change.

Dan Roman Insurance may modify, update, suspend, or discontinue portions of this website at any time.

15. Intellectual Property

Unless otherwise stated, original content appearing on this website, including text, graphics, branding, logos, design elements, and other materials, is owned by or licensed to Dan Roman Insurance and may be protected by applicable intellectual-property laws.

Website content may be viewed and used for personal, non-commercial purposes.

You may not reproduce, distribute, republish, sell, modify, or commercially exploit protected website content without authorization from the applicable rights holder.

16. Acceptable Use

You agree not to misuse this website or interfere with its normal operation.

You may not knowingly submit fraudulent information, attempt unauthorized access to website systems, introduce malicious software, interfere with website functionality, or use this website for unlawful purposes.

17. Limitation of Liability

To the fullest extent permitted by applicable law, Dan Roman Insurance will not be liable for indirect, incidental, special, consequential, or similar damages arising solely from the use of, or inability to use, this website.

Nothing in these Terms is intended to exclude or limit any liability that cannot lawfully be excluded or limited.

Nothing in this section modifies or limits rights or obligations arising under a separate insurance policy or annuity contract issued by an insurance company.

18. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Dan Roman Insurance from claims, liabilities, losses, damages, or expenses resulting from your unlawful misuse of this website or your violation of these Terms.

19. Changes to These Terms

Dan Roman Insurance may revise these Terms & Conditions periodically to reflect changes in the website, services, communication practices, business operations, or applicable requirements.

When these Terms are revised, the updated version will be posted on this website and the “Last Updated” date will be changed accordingly.

20. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles, except where applicable federal law or another jurisdiction's law controls.

21. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.

22. Relationship to Other Agreements

These Terms govern use of the Dan Roman Insurance website and related website services.

They are separate from any insurance policy, annuity contract, carrier agreement, application, disclosure, illustration, or other insurance-related document.

Nothing contained in these Terms is intended to alter the contractual relationship between an insurance company and a policyholder or contract owner.

23. Contact Us

Questions regarding these Terms & Conditions may be directed to:

Dan Roman Insurance
7901 4th Street North, STE 300
Saint Petersburg, FL 33702
Phone: +1 562-284-8741