Terms and Conditions

About These Terms

These terms apply to anyone reading this website, which is run by Life Insurance Flower Mound for clients in and around Flower Mound, TX. By using the site, you agree to them. If you do not agree, please do not use the site.

General Information, Not Personal Advice

Our pages explain how term life, whole life, universal life, final expense and mortgage protection coverage generally work, along with retirement income planning. That material is meant to help you prepare good questions. It is not financial, legal or tax advice, and it does not account for your health, budget, beneficiaries or goals.

Nothing on this site is an offer to sell a policy or a promise that coverage will be available to you.

Quotes and Policies

Any quote we discuss with you is an estimate until an insurance company completes its review. Insurers set their own underwriting rules, premiums and approval decisions, and the policy contract they issue is the document that governs your coverage. Please read it carefully, and ask us about anything that is unclear before you sign.

How to Reach Us

Our phone line, (972) 364-4987, is the only way to contact us through this site. During a call, share only what you are comfortable sharing in that conversation. A call does not by itself create a policy, an application or an advisory agreement.

Use of the Site and Its Content

The text, layout and images on this site belong to Life Insurance Flower Mound or are used with permission. You are welcome to read and share pages for personal reference. Please do not copy them for commercial use, alter them, or use the site in a way that interferes with its normal operation.

Limits of Responsibility

We work to keep our pages accurate and current, but insurance products and rules change, and some details may be out of date when you read them. The site is provided as is. To the extent Texas law allows, we are not responsible for losses that come from relying on general website content instead of a reviewed policy and a direct conversation with us.

Changes and Governing Law

We may update these terms from time to time, and the version posted here is the one that applies. These terms are governed by the laws of the State of Texas. Questions about any part of them are welcome on our line at (972) 364-4987, and we will walk through the wording with you.