Compliance & Credibility
Our Commitment to Transparency
At Oros Life, we believe protecting families starts with honesty and clarity. We operate as an independent life-insurance agency, not a direct carrier. That means our licensed agents help clients compare policies from multiple top-rated insurers—without bias toward any single company. Our goal is to find the policy that best fits your needs, budget, and long-term goals.
Licensing & Regulatory Oversight
Oros Life Inc. is a licensed life-insurance agency headquartered at 2054 Vista Parkway, Suite 400, West Palm Beach, FL 33411. All Oros Life agents are individually licensed and appointed in the states where they operate. Licensing can be verified anytime through official state insurance department portals, including:
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Florida Department of Financial Services (DFS) – licensee search
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National Insurance Producer Registry (NIPR) – nipr.com
Oros Life Inc. maintains good standing with the Better Business Bureau (BBB), accredited with a current A- rating.
Our Carrier Network
We partner exclusively with A-rated or higher insurance carriers (as evaluated by A.M. Best, S&P, or Moody’s). These include but are not limited to, nationally recognized names such as:
– Mutual of Omaha | A+ (A.M. Best)
– Protective Life | A+ (A.M. Best)
– Pacific Life | A+ (A.M. Best)
– AIG | A (A.M. Best)
– Corebridge Financial | A (A.M. Best)
(Carrier appointments vary by state; a full carrier list is available upon request.)
How We’re Paid
Our agents are compensated through standard commissions paid directly by the insurance carriers — never by our clients.
This structure ensures your quoted premium is the same as if you applied directly with the carrier.
We do not charge separate advisory or processing fees for life-insurance applications.
Data Privacy & Security
We use industry-standard encryption and secure-server technology to protect your personal information.
When you request a quote or verify your phone number, your data is transmitted through encrypted HTTPS connections and stored in compliance with federal and state privacy regulations, including GLBA (Gramm-Leach-Bliley Act) and CCPA (for California residents).
Ethics & Client Commitment
Every recommendation is based on verified client data, suitability standards, and long-term protection goals.
Our agents follow the NAIC Best Interest Standards, ensuring each policy we recommend is suitable and in your best interest — not simply the easiest to sell.
We encourage all clients to ask questions, review illustrations carefully, and take time before finalizing any decision.
Ethics & Client Commitment
For questions regarding licensing, privacy, or carrier affiliations, please contact:
compliance@oroslife.com (888) 601-OROS (6767)
or write to the Compliance Department at our West Palm Beach headquarters.
