Terms and Conditions

Agreeing to These Terms

These terms cover your use of this website, run by Life Insurance Manteca for clients in Manteca, CA and the surrounding area. By reading the pages here, you accept the terms below. If you do not agree with them, please stop using the site.

We may update this page from time to time. The version posted here is the one that applies when you visit.

General Information, Not Advice

The pages on term life, whole life, universal life, mortgage protection, final expense coverage and retirement income planning explain how these products generally work. They are written to help you prepare good questions, not to recommend a specific policy for you.

Every person's health, finances and family situation are different, and so are the rules each insurance company sets. Nothing on this site is a quote, an offer of coverage or legal, tax or financial advice. Please speak with us, and with your own tax or legal professional where it fits, before making a decision.

Quotes and Coverage Come From the Insurer

Any figures or options we discuss with you by phone are estimates based on what you share with us. The final premium, the terms of a policy and whether coverage is approved are decided by the insurance company after its own application and underwriting. A policy only takes effect under the conditions written in that policy.

When a claim is filed, the insurer reviews it under the policy's terms. We can explain the steps and help you gather what a beneficiary is usually asked for, but we do not control the insurer's decision or its timing.

How to Reach Us

This website has no forms, chat or online account. The only way to contact us is by calling (209) 370-0136. Information you share on a call is used to answer your questions and, if you choose, to prepare a quote. Our Privacy Policy describes how we treat it.

Using the Site Fairly

You are welcome to read and share these pages for personal use. Please do not copy the text or design for commercial purposes, attempt to disrupt the site, or use it for anything unlawful. The written content belongs to Life Insurance Manteca unless noted otherwise.

Limits on Our Responsibility

We take care to keep the information here accurate and current, but insurance products and rules change, and the site is provided as it is. Life Insurance Manteca is not responsible for losses that come from relying on general website content instead of a reviewed policy and a direct conversation with us.

Governing Law

These terms are governed by the laws of the State of California. Questions about them can be answered by phone at (209) 370-0136.