Terms & Conditions

These Terms & Conditions govern your use of https://globalwealthinsuranceagency.com, including our insurance information request forms, appointment requests, and communication services, operated by Global Wealth Insurance Agency LLC ("we," "us," "our"). By using this website, you agree to these terms. If you do not agree, please do not use the website.

Age Eligibility (18+)

This website and its SMS messaging program are intended for individuals who are 18 years of age or older. By opting in to receive SMS messages from Global Wealth Insurance Agency, LLC, you confirm that you are at least 18 years old.

Our Services

We are a licensed insurance agency offering information and assistance with life insurance, term life, Indexed Universal Life (IUL), fixed indexed annuities, retirement income planning, health insurance, Medicare-related insurance products, supplemental insurance, and employee benefits.

Educational Information Only

Information on this website is for general educational and informational purposes. It does not constitute an insurance offer, policy approval, binding coverage, or guaranteed eligibility, and it is not legal, tax, or financial advice.

Insurance Products Are Subject to Carrier Terms

Insurance products, availability, premiums, underwriting, benefits, exclusions, limitations, and any guarantees are determined by the issuing insurance carrier and are subject to that carrier's policy terms and conditions. Guarantees are based on the claims-paying ability of the issuing carrier. Products may not be available in all states.

Form Submissions and Appointment Requests

Submitting a form or requesting an appointment does not create an insurance policy, bind coverage, or guarantee eligibility or pricing. Coverage begins only when a carrier approves your application and issues a policy. You agree to provide accurate, complete information and to submit information only about yourself or people you are authorized to represent.

SMS Messaging Terms

Global Wealth Insurance Agency LLC may send informational and marketing text messages only with the applicable consent you provide through our website forms. You can choose either or both categories:

• Informational messages: responses to your insurance inquiries, appointment confirmations and reminders, and updates about services you requested.
• Marketing messages: insurance product information and promotional communications about life insurance, Indexed Universal Life (IUL), fixed indexed annuities, retirement planning services, Medicare, health insurance, supplemental coverage, employee benefits, and related offers.

• Marketing SMS consent is optional and is not a condition of purchasing insurance or receiving services.
• Message frequency varies.
• Message and data rates may apply.
• Reply STOP to unsubscribe at any time. You will receive one confirmation and no further messages.
• Reply HELP for assistance, or contact us using the details below.
• Carriers are not liable for delayed or undelivered messages.

For how we handle your information, see our Privacy Policy.

Acceptable Use

You agree not to:

• Use the website for any unlawful or fraudulent purpose.
• Submit false information or information about another person without authorization.
• Interfere with the website's security or operation, or attempt unauthorized access.
• Use automated tools to scrape or collect content or data from the website.

Intellectual Property

Website content, including text, graphics, and logos, belongs to us or our licensors. Carrier names and logos are trademarks of their respective owners and are shown for identification only. You may not copy or reuse content without our written permission.

Third-Party Websites

The website may link to carrier or other third-party websites. We do not control and are not responsible for their content or privacy practices.

Accuracy of Information

We try to keep information accurate and current, but products, rates, and rules change. We do not warrant that all website content is complete, accurate, or up to date.

Disclaimers

The website is provided "as is" and "as available," without warranties of any kind, to the extent permitted by law.

Limitation of Liability

To the fullest extent permitted by law, Global Wealth Insurance Agency LLC is not liable for indirect, incidental, or consequential damages arising from your use of the website. Nothing in these terms limits any rights you have that cannot be waived under applicable law.

California Residents

California residents may have additional rights under California law, including privacy rights described in our Privacy Policy. Nothing in these terms limits rights provided by California consumer protection laws.

Governing Law

These terms are governed by the laws of the State of California, without regard to conflict-of-law rules, except where other law applies.

Changes to These Terms

We may update these terms from time to time. The "Last updated" date shows when they were last revised. Continued use of the website means you accept the updated terms.

Contact Us

• Business name: Global Wealth Insurance Agency LLC
• Website: https://globalwealthinsuranceagency.com
• Phone: (559) 499-8199
• Email: info@globalwealthinsurance.com