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SMS Policy

Last updated: November 3, 2026

This policy describes the text messaging program run by Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC.

Program name and description

Spektra Insurance Solutions Quote Updates and Offers. We send text messages to people who request an insurance quote on spektralife.com and agree to receive texts. There are two types of messages, and you choose each one separately:

  • Informational (non-marketing) messages: follow-ups about your quote request, questions about your coverage needs, appointment scheduling, and reminders.
  • Marketing messages: recurring automated messages about our life and final expense insurance products, offers, and reminders.

Some messages may be sent using automated technology and may be generated by an artificial intelligence assistant. You can ask to speak with a person at any time.

How you opt in

You opt in only by checking an unchecked text message consent box and submitting one of our website forms:

  • Our quote form, which has two separate, optional consent boxes (informational and marketing). You can request a quote without checking either box. We record the date, time, IP address, and the exact consent wording shown when you opt in.
  • The chat widget on our website (on every page except the quote form page), which has its own unchecked consent box for text messages.

We do not buy, rent, or use purchased or shared contact lists, and we do not send messages on behalf of any third party.

Message frequency

Message frequency varies based on your request and your replies.

Cost

Message and data rates may apply, according to your mobile carrier's plan. Spektra Insurance Solutions does not charge for text messages.

How to opt out

Reply STOP to any message to unsubscribe. You may also reply END, CANCEL, UNSUBSCRIBE, or QUIT, or simply tell us to stop texting you. After you opt out, you will receive one final message confirming that you have been unsubscribed, and no further messages will be sent. To opt back in, reply START or submit our form again with a consent box checked.

Help

Reply HELP to any message for help, call (888) 808-1945, or email info@spektralife.com.

Supported carriers

Messages are supported on major U.S. carriers. Carriers are not liable for delayed or undelivered messages.

Consent is not required

Consent to receive text messages is not a condition of purchasing any product or service.

Privacy

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. See our Privacy Policy and Terms & Conditions.

Sample messages

  • "Hi Mary, this is Spektra Insurance Solutions following up on your life insurance quote request. Who is the coverage for, you or a loved one? Reply STOP to unsubscribe."
  • "Thanks Mary! A licensed Spektra Insurance Solutions agent can review your options by phone. Reply with a good time or call (888) 808-1945. Reply STOP to unsubscribe."