Terms and Conditions

What These Terms Cover

These terms apply to anyone who reads this website, run by Life Insurance Thousand Oaks for clients in Thousand Oaks, CA, and nearby communities. By using the site, you agree to them. If you do not agree, please stop using the site.

General Information, Not Personal Advice

The pages here explain how term life, whole life, universal life, final expense and mortgage protection coverage generally work, along with retirement income planning. That material is written for a broad audience. It cannot account for your age, health, income, debts or family situation, so it is not financial, tax or legal advice for you.

Nothing on this site is an offer to sell a policy, and reading it does not create an agent and client relationship.

Quotes and Policy Terms

Any premium, coverage amount or rider we discuss by phone is an estimate until an insurer reviews your application and issues a policy. Underwriting decisions, final rates, exclusions and beneficiary rules are set by the insurance company. The signed policy contract is the document that controls, not this website and not a phone conversation.

Reaching Us by Phone

The only way to contact us through this site is by calling (805) 954-9497. What you share on that call is up to you. Please do not assume that leaving a message or describing your needs means coverage has started. Coverage begins only on the date stated in an issued policy.

Accuracy and Updates

We try to keep each page correct and current, but product rules, carrier offerings and California insurance regulations change. Some details may be out of date by the time you read them. We may edit, add or remove content at any time without notice.

Ownership of Site Content

The text, layout and graphics on this site belong to Life Insurance Thousand Oaks or are used with permission. You may read and print pages for your own personal use. Copying or republishing them for commercial purposes requires our permission.

Limits on Our Responsibility

The site is provided as it is. We are not responsible for losses that result from relying on general website content instead of reviewing an actual policy, or from the site being unavailable for a time. Decisions about coverage should be made after a real conversation and a careful read of the insurer's documents.

Changes and Governing Law

We may revise these terms from time to time, and the version posted here is the one in effect. These terms are governed by the laws of the State of California. Questions about them can be asked by phone at (805) 954-9497.