Terms and Conditions
What These Terms Cover
These terms apply to anyone who reads or uses the Life Insurance Carlsbad website. We serve clients in Carlsbad, CA and the surrounding area. By using the site, you agree to the terms below. If you do not agree, please stop using the site.
General Information, Not Personal Advice
The pages on term life, whole life, universal life, final expense, mortgage protection and retirement income planning explain how these products generally work. They are written for a broad audience. They do not review your finances, your health history or any policy you already own, so they cannot tell you which coverage fits you.
A recommendation only makes sense after we have looked at your situation on a call. Until then, treat what you read here as background.
No Quote or Policy Is Formed Here
Nothing on this website is an offer of insurance, a binding quote or a contract. Premiums, coverage amounts, riders and eligibility are set by the issuing insurance company after its own application and underwriting review. A policy takes effect only when the insurer approves it and its stated conditions are met.
Contacting Us
The only way to reach us through this site is by phone at (760) 388-9220. Anything you tell us on a call is shared by your choice. A call does not create coverage or bind you to buy anything. Please do not assume a policy is in place because we have spoken.
Accuracy and Updates to Content
We try to keep the site accurate, but insurance products, carrier rules and California regulations change. Some details may be out of date when you read them. We may edit, add or remove content at any time without notice.
Ownership of Site Material
The text, layout and graphics on this site belong to Life Insurance Carlsbad or are used with permission. You may read and print pages for your own personal use. Copying, republishing or selling the content requires our written permission.
Limits on Our Responsibility
The site is provided as is. We are not responsible for losses that come from relying on its general content instead of speaking with us, from brief outages, or from errors in pages we do not control. Your rights under an actual insurance policy are governed by that policy, not by this website.
California Law and Changes to These Terms
These terms are governed by the laws of the State of California. We may revise them from time to time, and the version posted on this page is the one in effect. Questions about these terms can be raised by phone at (760) 388-9220.