Terms and Conditions

What These Terms Cover

These terms apply to anyone who reads this website, which Life Insurance Houston runs for clients in Houston, TX and the surrounding area. By using the site you agree to them. If you do not agree, please stop using the site. The phone is the only way to reach us, at (713) 328-4625.

General Information, Not Personal Advice

Our pages on term life, whole life, universal life, retirement income planning, mortgage protection insurance and final expense insurance explain how these products generally work. They are written for a broad audience and cannot account for your age, health, income, debts or beneficiaries.

Nothing on the site is a recommendation for your situation. The right coverage depends on facts we only learn when we talk with you.

Quotes and Policies

Any figure we discuss by phone is an estimate based on what you tell us at the time. The final premium is set by the insurance company after its own underwriting, which can include health questions, medical records or an exam.

Coverage does not exist until an insurance company approves your application and issues a policy. The written policy, including its exclusions, riders and beneficiary terms, is the document that controls. Read it in full before you rely on it.

Using the Site Fairly

Please use the site only for lawful, personal purposes. Do not try to disrupt it, copy it in bulk with automated tools or gain access to parts of it that are not public.

Ownership of the Content

The text, layout and other material on this site belong to Life Insurance Houston or are used with permission. You may read and share a page for your own reference. You may not republish or sell our content without asking us first.

Limits on Our Responsibility

We work to keep the information accurate, but insurance products and rules change, and a page may fall out of date. The site is provided as is. We are not responsible for losses that come from relying on general website content instead of a policy document or a conversation with us about your specific needs.

Changes and Governing Law

We may update these terms when the site or our practices change, and the version posted here is the one in effect. These terms are governed by the laws of the State of Texas.

Questions about anything on this page get a plain answer by phone at (713) 328-4625, and we will walk through it with you.