Terms and Conditions

What These Terms Cover

These terms apply to anyone reading the Life Insurance El Paso website. The site is informational. It explains how term life, whole life, universal life, final expense and mortgage protection coverage work, along with retirement income planning, for clients in El Paso, TX and the surrounding area. By using the site, you agree to the terms on this page.

Information Here Is Not a Policy

Our pages describe how policy types are built: how a level premium is set, what cash value is, how a beneficiary designation works. That material is general. It does not account for your age, health, income or the people who depend on you, so it is not personal financial, tax or legal advice.

Nothing on this site is an offer of coverage. Reading a page about term life does not create a policy, a premium or any obligation for you or for us.

How Quotes and Coverage Actually Start

The phone is the only way to reach us. A conversation with an agent at (915) 285-4009 is where your situation gets talked through and the options that fit it get explained. Any figure discussed on a call is an estimate. Coverage begins only after you apply, the insurance company completes its underwriting review and a policy is issued in writing. The issued policy, not this website or a phone conversation, sets the terms that govern your coverage.

Accuracy and Updates

We try to keep each page correct and current. Insurance products, rates and rules change, though, and a page can fall behind. We may edit, add or remove content at any time without notice. If something you read here matters to a decision, confirm it with us by phone before relying on it.

Limits on Our Responsibility

The site is provided as it is. We are not responsible for losses that come from acting on general website content without speaking to an agent, or from the site being unavailable for a time. Text and images on the site belong to Life Insurance El Paso, and you may not copy them for commercial use without our permission.

Texas Law and Changes to These Terms

These terms are governed by the laws of the State of Texas. We may revise them as the site changes, and the version posted on this page is the one in effect. Questions about any part of these terms get a plain, line-by-line answer by phone at (915) 285-4009.