Legal
The terms that govern your use of this website and our communications.
Last updated: October 12, 2026
These Terms of Service ("Terms") govern your use of the website at oraclelifesolutions.net and any related communications from Hibbs Sales and Marketing, operating as Oracle Life Solutions ("we," "us," or "our"). By using this site, you agree to these Terms.
Oracle Life Solutions is a brand operated by Hibbs Sales and Marketing, an independent insurance agency. We recruit, train, and support licensed life insurance agents and assist consumers in obtaining life insurance coverage through the carriers we represent.
The content on this site is provided for general informational and recruitment purposes. Nothing on this site constitutes:
Insurance product availability, rates, underwriting, and terms are determined solely by the issuing carrier and are subject to change. Policy benefits are governed by the actual policy contract.
Opportunities described on this site are commission-based independent contractor opportunities, not salaried employment. Earnings depend entirely on individual effort, activity, licensing, and results. Any figures, commission levels, or bonus structures shown are examples or carrier-published terms — they are not promises or projections of what you will earn, and carrier programs may be changed or discontinued by the carrier at any time.
You must be at least 18 years old to use this site or submit an application. Appointment with insurance carriers requires an active state insurance license and successful completion of carrier background and contracting requirements.
You agree not to:
Portions of this site link to restricted agent materials, document storage, and carrier portals. Access is granted to contracted agents only and may be modified or revoked at any time. Agent materials are confidential and intended for internal use within our agency — do not share them outside the agency without permission. Carrier portals are operated by the carriers under their own terms.
By submitting a form on this site, you consent to be contacted by Oracle Life Solutions by phone and email regarding your inquiry. If you separately opt in to text messages, you consent to receive SMS messages from us as described in our Privacy Policy.
Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for assistance. Consent to receive text messages is not a condition of any purchase or application.
This site links to third-party websites, including insurance carrier portals, scheduling tools, and document storage. We do not control and are not responsible for the content, availability, terms, or privacy practices of those sites.
The Oracle Life Solutions name, logo, and the original content and design of this site are the property of Hibbs Sales and Marketing. Carrier names and logos are the property of their respective owners and are used for identification purposes only; their appearance here does not imply endorsement of this site by those carriers.
This site is provided "as is" and "as available," without warranties of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free, or that information on it is complete or current.
To the fullest extent permitted by law, Hibbs Sales and Marketing shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of your use of this site or reliance on its content.
We may update these Terms at any time. Continued use of the site after changes are posted constitutes acceptance of the revised Terms. The "Last updated" date above reflects the most recent revision.
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law provisions.
Questions about these Terms:
Hibbs Sales and Marketing
d/b/a Oracle Life Solutions
Florida, United States
Email: info@oraclelifesolutions.net
Support: support@oraclelifesolutions.net
Phone: (475) 262-7550
