VP LIFE Independent Insurance Advisor

Advertising Disclosures

Last updated: 2026-05-08 · Effective date: 2026-05-08

This page sets out the full disclosures that govern any advertising claim made by VP LIFE LLC on Meta (Facebook and Instagram), Google, search engines, social platforms, or any landing page operated by VP LIFE LLC. Where a short-form ad uses a phrase covered below, the meaning of that phrase is the one defined here.

1. Who we are

VP LIFE LLC is a Florida limited liability company owned and operated by Victor Plasencia, a Florida-licensed Life and Health insurance producer. Florida License #G275118. Licensed and appointed in Florida, Michigan, Missouri, and Ohio. We are not an insurance company. We do not underwrite or issue policies. We connect consumers with carriers we are appointed with and help them complete an application.

2. "From $X/month" and any rate shown in advertising

Any rate shown in any of our ads (for example "Term Life Insurance from $25/mo," "Mortgage protection from $30/mo," or "Final expense from $20/mo") is a sample rate, not a quote, not an offer, and not a guarantee of price or approval. Sample rates are based on the lowest published carrier rate band we represent for an applicant who meets all of the following:

Your actual premium will be determined by the carrier after you complete an application. The premium can be higher, sometimes substantially higher, depending on age, gender, tobacco use, height/weight, prescription history, motor-vehicle history, family medical history, occupation, hobbies, and other underwriting factors. Premiums also vary by carrier, by state of residence, and by the specific product chosen.

3. "Quote in 60 seconds" / "Get your rate in 60 seconds"

When our advertising uses a phrase like "quote in 60 seconds," "get your rate in 60 seconds," or similar, what we mean is that you can complete a short intake form or book a 15-minute consultation call with a Florida-licensed agent in approximately 60 seconds. A binding insurance quote is not produced in 60 seconds. Real quotes require carrier underwriting and depend on the factors listed in Section 2.

4. "Approved in minutes" / "Decision in under 10 minutes"

Several carriers we represent offer accelerated or simplified underwriting that can produce a decision quickly for applicants who qualify. Approval is not guaranteed and is not always immediate. Whether you receive a fast decision depends on the carrier, the product, your answers to health and lifestyle questions, prescription and MIB database checks, and other underwriting steps. Some applicants will be referred to full underwriting that takes weeks.

5. "No medical exam" / "No medical exam options"

Several carriers we represent offer no-medical-exam life insurance products through accelerated, simplified-issue, or guaranteed-issue underwriting. "No medical exam" applies only to applicants who qualify for those specific products. Some applicants will be required to complete a paramedical exam, lab work, or other medical evidence as part of full underwriting. Where any ad says "no medical exam," read it as "no medical exam options available for qualifying applicants."

6. "Guaranteed acceptance" / "No health questions"

Where our advertising references guaranteed-acceptance or no-health-questions options, we are referring to guaranteed-issue products that some of our carriers offer for senior buyers (typically ages 50–85). These products have graded death benefits, meaning the full face amount is generally not payable for deaths in the first two years from non-accidental causes. Premiums for guaranteed-issue products are typically higher per dollar of coverage than fully underwritten products. We will explain the trade-offs on a consultation call.

7. "Lock in rates" / "Lock in today's rates"

Term life insurance premiums for the term length you choose are level and contractually guaranteed by the issuing carrier. "Lock in" means the carrier guarantees the premium for the level-premium period shown on your policy. After the level period ends, premiums typically increase substantially. Whole life and IUL products have their own premium structures. Ask on the call.

8. Coverage amounts

Phrases like "$500K coverage available," "Up to $1M coverage," or "$5,000 to $25,000 coverage" describe the face-amount range available through carriers we represent for the product class shown. Whether you are eligible for any particular face amount depends on carrier underwriting, your financial profile, age, health, and the suitability rules of the carrier. We do not guarantee any specific face amount.

9. "Backed by A-rated US carriers"

The carriers we are appointed with carry independent financial-strength ratings from agencies such as A.M. Best. Ratings can change. Current ratings for any carrier we represent are available on request and on the carrier's own website. We do not represent that a carrier's rating guarantees claim payment beyond the carrier's contractual obligations.

10. "Compare carriers" / "Shop multiple carriers"

VP LIFE LLC is appointed with multiple life insurance carriers and quotes products from those carriers. We typically present 2–3 options that fit your situation rather than a full quote across every carrier in the market. We do not represent every carrier in the United States and we are not an insurance marketplace.

11. "Florida-licensed agent" / "Florida-specific advice"

All quotes and applications are handled by Victor Plasencia, FL Resident License #G275118. Where we advertise to residents of Michigan, Missouri, or Ohio, the same individual holds active non-resident licenses and carrier appointments in those states. We do not quote or sell in states where we do not hold an active license at the time of the call.

12. "No pressure" / "Honest guidance"

We do not use high-pressure sales tactics. You can end any consultation call at any time. We do not charge consumers a fee for our services. Our compensation is paid by the carrier in the form of commissions and overrides if you choose to apply for and bind a policy. The commission percentage varies by carrier and product, and we have a fiduciary-style obligation to recommend products that fit your needs, not products that pay us the most.

13. Carriers we represent

As of the effective date above, VP LIFE LLC is appointed with: Corebridge Financial, American General Life Insurance Company, American Amicable Life Insurance Company of Texas, Mutual of Omaha, Ethos Life, and TruStage. Carrier appointments change from time to time. The current list is available on request.

14. Universal disclosure

Coverage is subject to underwriting and approval by the issuing carrier. Premium, face amount, riders, and rate class shown before underwriting are estimates only. No coverage exists until a carrier issues a policy and the policy's effective-date conditions are met. Rates and product availability vary by state, age, health, tobacco use, and other underwriting factors. Not all applicants will qualify for the products or rates referenced in our advertising.

15. TCPA notice

If you submit a form or book a call, you provide prior express written consent under the federal Telephone Consumer Protection Act for VP LIFE LLC and its agents to contact you, including by automatic dialing system, prerecorded voice, and SMS, about life insurance products. Consent is not a condition of purchase. You can opt out at any time. Full TCPA terms are in our Privacy Policy and Terms of Service.

16. Filing a complaint

If you believe an advertisement we placed was misleading, contact us first at victor@vplifeinsurance.com. You may also file a complaint with the Florida Department of Financial Services (Division of Consumer Services), the insurance regulator of your state, or the Federal Trade Commission.

17. Contact

VP LIFE LLC
Attn: Victor Plasencia, Licensed Insurance Producer
15008 SW 139th Ave
Miami, FL 33186
Email: victor@vplifeinsurance.com
Florida License: #G275118