Terms and Conditions

Using This Website

This website belongs to Life Insurance Carrollton, which serves clients in Carrollton, TX and the surrounding area. By reading these pages you agree to the terms below. If you do not agree, please stop using the site.

The site exists to explain how term life, whole life, universal life, final expense coverage, mortgage protection and retirement income planning work. It does not sell policies online, and nothing here creates an agreement between you and us.

General Information, Not Personal Advice

Our pages describe how policy types usually behave over time, such as how a level term premium compares with a whole life premium that builds cash value. Those explanations are general. Your age, health, income, debts and goals change the answer, so treat what you read here as background for a conversation, not as financial, tax or legal advice.

Quotes and Coverage Come From the Policy

Any figure we discuss by phone is an estimate until an insurance company reviews your application. Underwriting can change the premium, the coverage amount or whether a policy is offered at all.

Once a policy is issued, the policy contract written by the insurer controls. Its terms on premiums, riders, beneficiaries, cash value and exclusions govern over anything on this website. Read that contract before you sign, and ask us to walk through any clause you are unsure about.

Contact by Phone Only

The only way to reach us is by calling (972) 449-1955. Calling does not obligate you to buy anything. Share only the details you are comfortable discussing, and know that a phone conversation alone does not put coverage in force.

Accuracy and Changes to Content

We work to keep these pages correct, but insurance products, rates and rules change. Some content may be out of date or incomplete when you read it. We may edit, add or remove pages at any time without notice.

Limits on Our Responsibility

We provide this website as is. To the extent the law allows, Life Insurance Carrollton is not responsible for losses that come from relying on general website content, from interruptions in access to the site or from decisions made without a full review of your own situation and policy documents.

Ownership, Governing Law and Updates

The text and layout of this site belong to us. You may read and share pages for personal use, but please do not copy them for commercial purposes. These terms are governed by the laws of the State of Texas. We may update them from time to time, and the version posted here is the one that applies when you use the site.