Terms and Conditions

Agreeing to These Terms

These terms cover your use of the Life Insurance Oakland website, which serves readers in Oakland, CA and the surrounding area. By reading the site, you accept them. If you do not agree, please stop using the site.

The site is informational. It has no accounts, no online applications and no payment features. The only way to reach us is by phone at (510) 930-3392.

General Information, Not Personal Advice

Our pages describe how term life, whole life, universal life, final expense, mortgage protection and retirement income planning generally work. That content is written for a broad audience and may not fit your circumstances.

Nothing here is legal, tax or financial advice, and reading a page does not create an agent relationship or put any coverage in force.

Quotes and Policies

Any quote we discuss by phone is an estimate based on what you tell us. The insurance company sets the final premium, approval and policy terms after its own underwriting, which may include health questions or an exam. Your coverage is governed by the written policy you receive, not by anything on this website or said in a call.

When You Call Us

You decide what to share during a call. Please give accurate answers, since incomplete details can change a quote or affect a later application. How we treat what you share is described in our Privacy Policy.

Ownership of Site Content

The text, layout and graphics on this site belong to Life Insurance Oakland or are used with permission. You may read and print pages for your own reference. Please do not copy, republish or sell the content without our written consent.

Accuracy and Limits of Responsibility

We work to keep the information current and correct, but insurance products and rules change, and errors can slip through. The site is offered as is, without promises that it will always be available or free of mistakes.

To the extent California law allows, we are not responsible for losses that come from relying on general website content instead of reviewing an actual policy with an agent.

Changes and Governing 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 California. Questions about any part of them are welcome by phone at (510) 930-3392, and we will go through the wording with you.