Disclaimers & Terms

Last updated: June 18, 2026

The following disclaimers and terms govern your use of vivariumllc.com (the "Site") and the information it provides. By using the Site, you agree to these terms.

1. Informational purposes only

The content on this Site is provided for general informational purposes only and does not constitute financial, tax, legal, or insurance advice. Any decisions about insurance coverage should be based on your individual needs and the terms of the actual policy documents.

2. Not an offer of insurance

This Site is not an offer to sell, or a solicitation to buy, insurance in any state where Vivarium LLC is not licensed. Insurance products are offered and sold only in jurisdictions where Vivarium and its agents are properly licensed.

3. Licensing

Vivarium LLC is an independent insurance agency. National Producer Number (NPN): 22083665. Vivarium is licensed to offer life insurance products in the following states: Illinois, Arizona, Ohio, South Carolina, Texas, Utah, Washington, Arkansas, Colorado, Kentucky, Michigan, Missouri, New Mexico, North Carolina, Virginia, West Virginia, Nevada, and Indiana. Licensing in additional states may be pending.

4. No government affiliation

Vivarium LLC is not affiliated with, endorsed by, or sponsored by any federal or state government agency, Medicare, the Social Security Administration, or any government program.

5. Product availability and rates

Insurance products, features, benefits, and rates vary by state and are subject to the issuing insurance company's underwriting and approval, as well as the applicant's age and health. Any quotes provided are estimates only and are not a guarantee of coverage, eligibility, or final price. Final terms are determined solely by the issuing insurance company.

6. Guarantees

All policy guarantees are subject to, and backed solely by, the claims-paying ability and financial strength of the issuing insurance company, and not by Vivarium LLC.

7. Independent agency

Vivarium LLC is an independent agency that represents multiple insurance carriers and is not owned or controlled by any single insurer.

8. Accuracy of information

While we strive to keep the information on this Site accurate and current, we make no warranty or representation that it is complete, accurate, or error-free, and we are not liable for any errors or omissions.

9. Intellectual property

All content on this Site, including the Vivarium name, logo, text, and design, is the property of Vivarium LLC and may not be used without permission.

10. Limitation of liability

To the fullest extent permitted by law, Vivarium LLC shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this Site.

11. Governing law

These terms are governed by the laws of the State of Illinois, without regard to its conflict-of-laws principles.

12. Contact us

Vivarium LLC — Trenton, Illinois
Email: alex.elsing@vivariumllc.com
Phone: (618) 580-2581