Effective Date: 01.01.2026
These Terms of Service ("Terms") govern your use of the website and services provided by Goatify Advisors ("Company," "we," "us," or "our"), a company operating in the State of Florida and offering insurance-related consulting and life insurance products, including Indexed Universal Life (IUL) policies.
By accessing our website or engaging with our Services, you agree to these Terms.
Goatify Advisors is a Florida-based financial services company that provides educational consulting and facilitates the sale of life insurance products through properly licensed insurance agents.
All insurance products are issued by authorized insurance carriers. Goatify Advisors and its agents operate in compliance with applicable Florida insurance laws and regulations.
Insurance products are offered through licensed insurance agents. Licensing information is available upon request.
We operate under the regulatory oversight of the Florida Department of Financial Services (DFS).
Nothing on this website constitutes an offer to sell insurance in any state where we are not properly licensed.
Indexed Universal Life (IUL) policies are life insurance products, not securities.
IUL policies provide cash value accumulation tied to the performance of a market index, subject to caps, participation rates, spreads, and policy charges. They are not direct investments in the stock market, and they do not guarantee market returns.
We do not provide securities brokerage services unless separately disclosed and properly licensed.
Information provided through our website, consultations, marketing materials, or social media is for educational purposes only.
Nothing provided by Goatify Advisors constitutes legal, tax, accounting, or investment advice.
Clients should consult with their own attorney, CPA, or financial professional before purchasing any life insurance policy or implementing financial strategies.
Life insurance policies, including IUL products:
May include guaranteed and non-guaranteed elements
Are subject to underwriting approval
May lapse if premiums are not properly funded
Are subject to policy fees, surrender charges, and cost of insurance charges
Illustrations provided are hypothetical and not guarantees of future performance.
By engaging with our Services, you agree to:
Provide complete and accurate information during underwriting
Disclose material medical and financial information truthfully
Review all policy documents before signing
Understand that failure to fund policies properly may result in lapse
Misrepresentation may result in policy rescission by the carrier.
Goatify Advisors and its licensed agents may receive commissions from insurance carriers for policies issued. Compensation may vary depending on the product and carrier.
There is no additional fee charged to clients unless explicitly disclosed in writing.
Insurance policies are issued by third-party insurance companies. Goatify Advisors does not control carrier underwriting decisions, policy charges, dividend declarations, or index performance.
We are not liable for actions or financial condition of any insurance carrier.
To the fullest extent permitted under Florida law, Goatify Advisors shall not be liable for indirect, incidental, special, or consequential damages arising from:
Policy performance
Carrier decisions
Market index fluctuations
Client funding decisions
Our maximum liability shall not exceed the compensation received by us related to the specific policy in question.
We do not guarantee:
Specific cash value growth
Loan performance outcomes
Tax treatment outcomes
Approval of underwriting
Long-term policy performance
All financial outcomes depend on multiple factors, including funding strategy and market conditions.
Client information is handled in accordance with applicable privacy laws, including federal insurance privacy regulations. Please review our Privacy Policy for full details.
By using our Services, you consent to receive electronic communications, disclosures, and policy-related documents where permitted by law.
We reserve the right to refuse service or terminate access if a client violates these Terms or applicable regulations.
These Terms are governed by the laws of the State of Florida.
Any disputes shall be resolved in the appropriate courts located within the State of Florida.
We may update these Terms periodically. Continued use of our Services constitutes acceptance of any revised Terms.
Goatify Advisors
State of Florida, United States
8277 NW 99th Av Doral 33178
[email protected]
7869300942