These Terms and Conditions govern your use of this website and our services. By accessing this site or submitting your information, you agree to be bound by these Terms.
If you do not agree with these Terms, please do not use this website.
Services Provided
We provide independent life insurance services including:
Insurance education and consultations
Life insurance quotes and comparisons
Policy application assistance
Ongoing client service and support
We are an independent insurance agent and are not an insurance carrier.
No Financial or Legal Advice
All information provided on this website is for general informational purposes only and does not constitute legal, financial, or tax advice.
You should consult with licensed professionals before making financial or insurance decisions.
User Responsibilities
By using this website, you agree that:
You are at least 18 years old
You will provide accurate and truthful information
You will not use this website for any unlawful or abusive purpose
You will not attempt to interfere with website functionality
Communications Consent
By submitting your information, you consent to receive communications from us including:
Phone calls
SMS text messages
Emails
These communications may include appointment confirmations, policy updates, service notifications, and follow-ups.
Message frequency varies. Message and data rates may apply.
You may opt out of SMS at any time by replying STOP.
Intellectual Property
All content on this website — including text, graphics, logos, and branding — is owned by us or used with permission and may not be copied, reproduced, or distributed without written consent.
Limitation of Liability
We are not responsible for:
Decisions made based on information provided on this website
Delays or failures caused by technical issues
Third-party services or insurance carriers
All insurance policies are subject to underwriting approval by the issuing carrier.
Third-Party Services
We may use third-party platforms to operate our business, including:
CRM systems
SMS and email providers
Scheduling platforms
We are not responsible for service interruptions or failures caused by third-party providers.
Privacy
Your use of this website is also governed by our Privacy Policy.
Changes to These Terms
We reserve the right to update these Terms at any time. Updates will be posted on this page.
Governing Law
These Terms are governed by the laws of the state in which we operate.
Contact Information
If you have any questions about these Terms and Conditions, please contact:
Martin Vargas Independent Life Insurance Agent Email: [email protected] Phone: (213)583-2131
We only send messages to users who have opted in through our website or direct inquiry. We do not send unsolicited or bulk spam messages.