Terms and Conditions

Last Updated: November 3, 2026

Welcome to Joseph Ingelhart.

These Terms and Conditions govern your use of our website, insurance-related services, and SMS and email communications.

By accessing our website or using our services, you agree to these Terms and Conditions and acknowledge our Privacy Policy.

1. Our Services

Joseph Ingelhart provides information and assistance regarding insurance products, including:

Life Insurance

Final Expense Insurance

Mortgage Protection Insurance

Our goal is to help individuals, families, seniors, and homeowners explore insurance options based on their needs.

Insurance coverage, eligibility, pricing, and policy benefits are determined by the applicable insurance carrier and policy terms.

2. SMS Messaging Program Description

Joseph Ingelhart operates an SMS messaging program for individuals who have opted in to receive text communications.

Messages may include:

Insurance inquiry responses.

Appointment confirmations.

Appointment reminders.

Consultation follow-ups.

Customer service updates.

Insurance-related promotional messages when separately authorized.

Message frequency may vary depending on your interactions with our agency.

3. Consent to Receive SMS Messages

By voluntarily providing your mobile phone number and selecting the appropriate SMS consent checkbox, you authorize Joseph Ingelhart to send text messages related to the messaging program you selected.

Consent to receive text messages is not a condition of purchasing insurance products or receiving our services.

4. SMS Opt-Out Instructions

You may cancel SMS communications at any time.

Simply reply STOP to any text message received from Joseph Ingelhart.

After submitting STOP, you may receive a confirmation message acknowledging your unsubscribe request.

You will no longer receive SMS messages under that messaging program unless you provide consent again.

5. Rejoining the SMS Program

If you previously opted out and wish to receive SMS communications again, you may submit a new opt-in request through our website or another authorized enrollment method.

6. Help and Customer Support

If you experience difficulties with our SMS messaging program, reply HELP to any message for assistance.

You may also contact us directly:

Phone: (385) 775-0160

Email: [email protected]

7. Message Frequency and Rates

Message frequency varies based on your insurance inquiries, appointments, and communication preferences.

Message and data rates may apply to messages sent to or received from our agency.

Please contact your wireless service provider for information regarding your mobile messaging plan.

8. Carrier Disclaimer

Wireless carriers are not responsible for delayed or undelivered messages.

SMS delivery may be affected by network conditions, carrier restrictions, or technical issues.

9. Insurance Information Disclaimer

Information provided on this website is intended for general informational purposes and does not constitute a binding insurance offer, guarantee of coverage, or financial advice.

Insurance products, premiums, eligibility requirements, and coverage benefits vary by insurance carrier and individual circumstances.

Coverage becomes effective only when approved and issued by the applicable insurance carrier under the terms of the policy.

10. Website Use

You agree to use our website and services lawfully and responsibly.

You may not attempt to interfere with website functionality, gain unauthorized access to systems, or submit false or misleading information.

11. Intellectual Property

Website content, branding, graphics, and other materials belonging to Ingelhart Legacy Insurance may not be copied, distributed, or reproduced without appropriate authorization, except as permitted by law.

12. Privacy and Data Protection

Your privacy is important to us.

Information collected through our website and communication services is handled according to our Privacy Policy.

Mobile information and SMS opt-in consent will not be shared with third parties or affiliates for marketing or promotional purposes.

For additional information, please review our Privacy Policy.

13. Changes to Terms and Conditions

We reserve the right to update these Terms and Conditions as needed.

Any updates will be published on this page with a revised Last Updated date.

Continued use of our website or services following an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.

14. Contact Information

For questions about these Terms and Conditions or our messaging services, please contact:

Joseph Ingelhart

Contact Person: Joseph Ingelhart

Location: Riverton, Utah

Phone: (385) 775-0160

Email: [email protected]

For more information about how we collect, use, and protect personal information, please review our Privacy Policy.