Terms and Conditions
Using This Website
This website belongs to Life Insurance North Richland Hills, a life insurance business serving clients in North Richland Hills, TX and the surrounding area. By reading these pages, you agree to the terms below. If you do not agree, please stop using the site.
We may update these terms from time to time. The version posted here is the one that applies when you visit.
Information, Not Advice
The pages describing term life, whole life, universal life, final expense, mortgage protection and retirement income planning are general explanations. They are written to help you prepare good questions, not to recommend a specific policy for your situation.
Nothing on this site is financial, tax or legal advice. Your own needs, health and budget shape what makes sense, and those details come out in a conversation with an agent.
Quotes and Coverage
Reading this site does not create a policy, a quote or any promise of coverage. Coverage begins only when an insurance company approves an application and issues a policy in writing.
Premiums, eligibility and timelines depend on the carrier's underwriting, which can include health questions or exams. When a step takes longer than expected, we will tell you by phone what changed and what comes next, but the final decision rests with the insurer.
Contacting Us by Phone
The only way to reach us is by calling (817) 790-9714. There are no forms, chat windows or online applications on this site. Whatever you choose to share during a call is used to answer your questions and prepare options for you, as described in our Privacy Policy.
Content and Ownership
The text and design of this site belong to us. You are welcome to read, print or share a page for personal use. Please do not copy it for commercial purposes or present it as your own.
Limits of Responsibility
We work to keep these pages accurate and current, yet insurance products and rules change. The site is offered as it is, and we are not responsible for decisions made solely from its content without speaking with us first.
We also cannot promise the site will always be available or free of technical errors.
Texas Law
These terms are read under the laws of the State of Texas. If any part is found unenforceable, the rest still applies. Questions about these terms can be talked through by phone at (817) 790-9714.