Terms and Conditions

Using This Website

These terms cover your visit to the Life Insurance Lubbock website. We serve clients in Lubbock, TX and the surrounding area. By reading or browsing these pages, you agree to the terms below. If something here doesn't sit right with you, please stop using the site and give us a call so we can talk it over.

General Information, Not a Policy

Our pages explain term life, whole life, final expense, mortgage protection, universal life and retirement income planning in general terms. They are meant to help you plan for the future. They are not an offer of coverage, a binding quote or personal financial advice.

Eligibility, premiums and policy terms are set by the insurance company after its own review. Nothing becomes a policy until the insurer issues it in writing.

Phone Conversations and Quotes

The phone is the only way to reach us. Any numbers we talk through with you at (806) 605-0315 are estimates based on what you share. The insurer's underwriting can change them.

We can explain how claims usually move forward and which papers a beneficiary tends to need. The insurance company makes every claim decision, and we can't promise how or when a claim will be paid.

Keeping Content Current

We work to keep this site accurate. Still, insurance products and state rules change, and a page may fall behind. We may update content or these terms at any time without notice. The version posted here is the one that applies.

Limits of Our Responsibility

The site is provided as it is. We are not responsible for losses that come from relying only on what you read here. Before you choose coverage, talk with an agent about your own situation and read the policy itself.

Who Owns the Content

The text and layout of this site belong to Life Insurance Lubbock. You're welcome to read, print or share pages for personal use. Please don't copy them for commercial purposes without our permission.

Texas Law and Questions

These terms are governed by the laws of the State of Texas. If you have a question about anything on this page, the simplest step is a phone conversation. Questions are welcome at (806) 605-0315, and we'll walk through the answer with you.