Terms and Conditions
Using This Website
Life Insurance San Mateo runs this website for clients in San Mateo, CA and the surrounding area. By reading or using any page here, you agree to these terms. If you do not agree, please stop using the site.
General Information, Not Personal Advice
Our pages explain term life, whole life, universal life, mortgage protection, final expense coverage and retirement income planning in general terms. Policy features, riders, conversion rules and surrender charges differ from one insurance company to the next and can change over time.
Nothing on this site is financial, tax or legal advice for your situation. Before you rely on a detail, confirm it with us by phone and with the written policy documents.
Quotes Are Estimates, Coverage Comes Later
No page on this site is an offer of insurance. A quote you get by phone is an estimate built on the information you give us, such as age, health and the amount of coverage you want. The insurance company sets the final premium after underwriting, which may include health questions, prescription history, medical records or a paramedical exam.
A phone conversation does not start coverage. A policy takes effect only after the carrier approves the application, issues the policy and receives any required first premium. Once issued, the policy contract itself controls, not anything written here.
Contacting Us
The phone is the only way to reach us through this site. When you call, share only what you are comfortable sharing for a first conversation. If an application later needs more personal detail, we will explain why it is needed before asking. Our Privacy Policy describes how we treat what you tell us.
Accuracy and Updates
We work to keep these pages current, but product availability, carrier rules and state requirements change, and a page may fall behind or contain an error. We may edit the site or these terms at any time without notice. The version posted here is the one that applies.
Content Ownership
The text and layout of this site belong to Life Insurance San Mateo. You may read, print or share pages for personal use. Copying them for commercial use or republishing them as your own is not permitted.
Limits of Responsibility
This site is provided as is. We are not responsible for losses that come from acting on its general information alone, from temporary outages, or from errors on the page. These terms are governed by the laws of the State of California. For any question about them, reach us at (650) 397-7958 and we will walk through it with you.