Terms and Conditions

Using This Website

These terms cover your use of the Life Insurance Gilroy website. We are based in Gilroy, California, and the site exists to explain life insurance and tell you how to reach us. By reading or browsing the site, you agree to these terms. If you do not agree, please stop using the site.

General Information, Not Advice

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

Nothing here is legal, tax or financial advice, and reading a page does not create a client relationship with us. Talk through your own situation by phone before you make a decision.

Quotes and Policies

The site does not offer coverage, bind a policy or set a premium. Any quote is given by phone and depends on the details you provide. Final rates and approval are decided by the insurance carrier after its underwriting review, which may include health questions, records checks or a medical exam.

Once a policy is issued, the written contract from the carrier controls. Its terms on premiums, exclusions, riders and how claims are paid to a beneficiary take priority over anything on this website.

Accuracy of Content

We try to keep the site current and correct. Insurance products, carrier rules and state requirements change, so some content may fall out of date or contain errors. We may update, correct or remove pages at any time without notice.

Ownership of the Content

The text, layout and other material on this site belong to Life Insurance Gilroy. You may read and print pages for your own personal use. Copying, republishing or selling the content without our permission is not allowed.

Limits of Responsibility

The site is provided as it is. To the extent the law allows, we are not responsible for losses that come from relying on general website content, from the site being unavailable, or from technical problems on your device or network.

Governing Law and Changes

These terms are governed by the laws of the State of California. We may revise them from time to time, and the version posted on this page is the one that applies. Questions about these terms can be answered by phone at (408) 789-8876.