Terms & Conditions
Last updated: November 3, 2026
These Terms govern your use of spektralife.com, operated by Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC ("Spektra," "we," "us"). By using the site, you agree to these Terms.
Who we are
Spektra Insurance Solutions is a licensed insurance agency. We help consumers understand and apply for final expense and life insurance. Policies are issued by insurance companies, not by Spektra. California Agency License #6011311 (Life; Accident & Health), issued to Twenty Four Hour, LLC, DBA Spektra Insurance Solutions.
Information on this site
Content on this site is general information, not a guarantee of coverage, price, or eligibility. Coverage, benefits, rates, and availability vary by insurance company, product, age, health, and state. Your policy's terms are controlled by the policy issued by the insurance company. Submitting a quote request does not create a policy or guarantee coverage.
Quote requests
When you submit a quote request, you confirm the information is accurate and that you are the person named or are authorized to request a quote for them. You agree that we may contact you by phone or email about your request. We contact you by text message only if you opt in, as described below.
Text messaging terms
Spektra Insurance Solutions offers two optional text message programs, each with its own unchecked consent box on our quote form:
- Informational messages about your quote request, such as follow-up questions and appointment scheduling.
- Marketing messages: recurring automated promotional messages about our insurance products.
- Message frequency varies.
- Message and data rates may apply.
- Reply STOP to unsubscribe at any time. Reply HELP for help, or contact us at (888) 808-1945 or [email protected].
- Messages may be sent using automated technology and may be generated by artificial intelligence.
- Consent to receive text messages is not a condition of purchase.
- Carriers are not liable for delayed or undelivered messages.
- No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
Full details are in our SMS Policy.
Acceptable use
You agree not to submit false information, request quotes on behalf of others without permission, interfere with the site's operation, or use the site for any unlawful purpose.
Intellectual property
The site's content, design, and logos belong to Twenty Four Hour, LLC and may not be copied without permission.
Disclaimers
The site is provided "as is." To the fullest extent permitted by law, we disclaim all warranties, express or implied. We are not affiliated with or endorsed by any government agency.
Limitation of liability
To the fullest extent permitted by law, Twenty Four Hour, LLC is not liable for indirect, incidental, or consequential damages arising from your use of the site.
Governing law
These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules.
Changes
We may update these Terms. The date at the top shows when they were last changed.
Contact
Spektra Insurance Solutions (a DBA of Twenty Four Hour, LLC)
3131 Camino Del Rio North, Suite 1680
San Diego, CA 92108
Phone: (888) 808-1945
Email: [email protected]