Terms and Conditions
What These Terms Cover
These terms apply to anyone who reads or uses the Life Insurance McKinney website. By using the site, you agree to them. If something here does not sit right with you, please stop using the site. We would rather hear your question directly, and an agent can talk it over with you at (972) 707-2160.
We are based in McKinney, Texas, and this site exists to explain the kinds of coverage we talk through with clients.
General Information, Not Personal Advice
The pages on term life, whole life, final expense coverage, retirement income planning and our other services are written to help you understand your options. They are general by nature. They do not know your age, health, income or family situation, so they cannot tell you which policy fits you.
Nothing on this site is an offer of insurance, a binding quote or financial, tax or legal advice. For anything that depends on your own numbers, a conversation is the right place to start.
Quotes and Policies
Any figure we discuss with you by phone is an estimate. The final premium, the coverage amount and whether a policy is approved are set by the insurance company that issues it, usually after its own application and underwriting review.
Your policy documents are what govern your coverage. If anything on this website seems to differ from your policy, the policy wins. We are glad to walk through the wording with you so you know what each part means before you sign.
Talking With Us by Phone
The phone is the only way to reach us through this site. What you share on a call is up to you. Please give accurate information, since an application built on incomplete details can lead to a different price or a declined policy later. Our Privacy Policy explains how we treat what you tell us.
Use of the Site's Content
The text and layout of this site belong to Life Insurance McKinney. You are welcome to read it, print a page for your own reference or share it with a family member. Please do not copy it for commercial use or present it as your own.
Accuracy and Limits
We try to keep these pages correct and current, but insurance products and rules change, and an article can fall behind. The site is provided as is. We are not responsible for losses that come from relying on general website content without talking your situation through with us first.
The site may be unavailable at times for updates or reasons outside our control.
Changes and Texas Law
We may update these terms from time to time, and the version posted here is the one that applies. These terms are governed by the laws of the State of Texas. Questions about anything on this page are welcome at (972) 707-2160.