Terms and Conditions

Using This Website

These terms apply to anyone who visits the Life Insurance Lincoln website. We serve clients in Lincoln, California, and the surrounding area. By reading our pages, you agree to the terms below. If you do not agree, please do not use the site.

General Information, Not Advice

Our pages explain term life, whole life, universal life, final expense coverage, mortgage protection and retirement income planning in everyday language. That information is general. It is not legal, tax or investment advice, and it does not describe your situation.

Before you make a decision about a policy or a retirement plan, talk it through with us by phone. If your questions touch on taxes or estate law, a qualified professional in that field should weigh in too.

Quotes and Coverage

Nothing on this website is an offer of insurance or a binding contract. A quote we discuss with you by phone is an estimate based on what you share. Final rates, approval and policy terms are set by the insurance carrier after its own review, which may include health questions or records.

Coverage begins only when a carrier issues a policy and its stated conditions are met. Your policy documents, not this website, control what is covered and who receives benefits as a beneficiary.

Contacting Us

The phone is the only way to reach us through this site, and the same person who answers at (916) 675-8795 stays with your questions from start to finish. Please share only what you are comfortable sharing on that call. Our Privacy Policy explains how we treat what you tell us.

Our Content

The words and layout of this website belong to Life Insurance Lincoln. You are welcome to read, print or share a page for your own personal use. Please do not copy it for commercial use or present it as your own.

Limits of Our Responsibility

We work to keep our pages accurate and current, but insurance products and carrier rules change. We cannot promise every detail is complete or up to date at the moment you read it. We are not responsible for losses that come from relying on website content alone, without speaking with us first.

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 anything on this page are welcome by phone.