Terms and Conditions

Using This Site

This website belongs to Life Insurance New Braunfels, which works with clients in New Braunfels, TX and the surrounding area. By reading or using the site, you agree to these terms. If you don't agree, please stop using the site.

We keep these terms short on purpose. They cover how the site works, what it can and can't tell you, and what happens when you call.

General Information Only

The pages here explain term life, whole life, final expense and other kinds of coverage in general terms. That is background reading. It is not advice about your money, your taxes or your legal affairs, and it is not an offer of a policy.

Every policy depends on the insurance company that issues it. Rates, approval, underwriting rules and policy wording come from that company, not from this website.

Quotes and Timelines by Phone

The phone is the only way to reach us, and the number is (830) 494-0696. When you call, we can talk through your needs and walk you through a quote. A quote is an estimate until the insurer reviews your application and makes its decision.

We try to give you a realistic timeline for each step, such as when paperwork is due or when an insurer may reply. Those dates are our best estimate. Insurers set their own pace, so if something changes, we'll tell you and give you an updated timeline.

Accuracy of What You Read

We work to keep the site correct and current. Still, insurance products and rules change, and a page may fall behind. Nothing here replaces the actual policy documents, which always control. Read them before you sign, and ask us about anything that isn't clear.

Content on This Site

The words and layout on this site belong to Life Insurance New Braunfels. You're welcome to read them, print a page for your own use or share it with family. Please don't copy the content for another business or website.

Limits on Our Responsibility

The site is offered as it is. We don't promise it will always be online or free of errors. To the extent Texas law allows, we aren't responsible for losses that come from relying on the general information here instead of your policy documents or a conversation with us.

Texas Law and Changes to These Terms

These terms are governed by the laws of the State of Texas. We may update them from time to time, and the version posted here is the one that applies. Questions about any part of this page are welcome by phone at (830) 494-0696, and we'll explain it plainly.