Terms and Conditions

Using This Website

These terms apply when you visit the Life Insurance San Francisco website. By browsing these pages, you agree to them. If something here does not sit right with you, please stop using the site. Questions are always welcome, and you can reach a real person at (415) 480-8034.

General Information, Not Advice

The pages about term life, whole life, universal life, mortgage protection, final expense coverage and retirement income planning explain how these products generally work. They are written for clients in San Francisco, California, and nearby communities, but they cannot account for your health, finances, family or goals.

Please treat what you read here as a starting point for a conversation, not as financial, tax or legal advice for your situation.

No Coverage From Reading or Calling

Nothing on this site is an offer of insurance or a binding quote. Coverage only begins once an insurer reviews an application, completes its underwriting and issues a policy. Rates, eligibility and policy terms are set by the insurer and can change before a policy is issued. A phone call with us helps you understand your options and plan the next steps; it does not put coverage in place.

Phone Is How You Reach Us

This website has no forms, accounts or online applications. The only way to contact us is by phone. When you call, share only what you are comfortable sharing. Our Privacy Policy explains in general terms how we treat what you tell us.

Accuracy and Changes

We try to keep these pages clear and current, but insurance products and rules change, and an occasional error can slip through. We may update the content, or these terms, at any time without notice. The version posted here is the one that applies when you visit.

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 information here instead of discussing your own situation with us. The words and layout on this site belong to us, and you may not copy them for commercial use without our permission.

Governing Law

These terms are governed by the laws of the State of California. If any part of them is unclear, we are happy to walk through it with you over the phone at (415) 480-8034.