Terms and Conditions

What These Terms Cover

These terms apply to anyone reading this website, which is run by Life Insurance Rockwall for clients in Rockwall, Texas and the surrounding area. By using the site, you agree to them. If you do not agree, please stop using the site.

General Information, Not Personal Advice

Our 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, so they cannot account for your age, health, finances or family plans.

Nothing here is tax, legal or investment advice. For questions in those areas, a qualified professional who knows your situation is the right person to ask.

Quotes and Coverage Start With a Call

This site does not issue quotes, take applications or bind coverage. The only way to reach us is by phone at (972) 770-4674. Any figure discussed on a call is an estimate until the insurance carrier completes its underwriting review.

A policy takes effect only when the carrier approves it and its own conditions are met, such as the first premium being paid. The policy contract, not this website, sets out what is covered, what is excluded and how a beneficiary is paid.

Keeping the Content Current

We review our pages with care, but products, carrier rules and Texas regulations change. Some details may be out of date or incomplete when you read them. We may update, remove or reword any part of the site at any time without notice.

Use of Our Words and Layout

The text, structure and design of this site belong to Life Insurance Rockwall. You are welcome to read and share pages for personal use. Copying them for commercial purposes, or presenting them as your own, is not permitted without our written consent.

Limits of Our Responsibility

The site is provided as it is. To the extent Texas law allows, we are not responsible for losses that come from relying on general information here instead of discussing your situation with us or another agent. We also cannot promise the site will always be available or free of technical faults.

Governing Law and Questions

These terms are governed by the laws of the State of Texas. If anything here is unclear, or you would like it explained in plain language, talk it over with us by phone at (972) 770-4674.