Terms of Use.

By using this website you agree to these terms. If you don't agree, please don't use the site. Please also read the Privacy Policy.

Who this site is from

This website is operated by Eric Pineda, a licensed independent insurance agent (NPN 22238781) in Florida, Texas, Ohio, Virginia, North Carolina and Michigan. I can only discuss or sell insurance in the states where I'm licensed.

Information only, not an offer

Everything on this site is general information about insurance. It is not legal, tax or investment advice, and it is not an offer or a guarantee of coverage. Products, features, rates and availability vary by carrier and by state. Coverage is subject to underwriting approval and to the terms of the policy itself. Please talk with a qualified tax or legal professional about your own situation.

Calculator and illustrations

The coverage calculator and any examples, charts or illustrations on this site are general estimates and hypothetical examples. They are not a quote, a projection or a promise of future results. Actual premiums, benefits and policy values depend on your age, health, the carrier and the policy you choose. Illustrations of indexed products use assumptions that are not guaranteed.

About indexed universal life and annuities

Insurance and annuity products are not bank products. They are not deposits, are not FDIC insured, and are not guaranteed by any bank. Index-linked policies do not invest directly in the stock market or in any index. Credited interest is subject to caps, participation rates and policy charges, and values beyond a contract's stated guarantees are not guaranteed. Accessing policy values through loans or withdrawals can reduce the death benefit and may have tax consequences, and a policy can lapse if it is not funded adequately.

Quote requests and text messages

If you submit the quote form and check the consent box, you agree that I may call and text you, including using automated technology, about insurance quotes and services. Consent is not a condition of any purchase. Message frequency varies, and message and data rates may apply. Reply STOP to opt out or HELP for help, or call (954) 260-5011. Wireless carriers are not responsible for delayed or undelivered messages.

Please don't send sensitive details

Don't enter medical information, Social Security numbers, bank details or other sensitive information into this website. I'll never ask for them through the quote form.

Using the site

• Use the site only for lawful purposes and only to request information for yourself or for someone who has asked you to.
• Don't try to break, scrape, overload or interfere with the site, or submit information that isn't yours.

Ownership

The text, design, images and videos on this site belong to Eric Pineda or are used with permission. Please don't copy or reuse them without permission.

Links to other sites

This site may link to other websites, such as the Florida Department of Financial Services license lookup. I don't control those sites and I'm not responsible for their content or practices.

No warranty and limits on liability

I work to keep this site accurate and up to date, but it is provided "as is" without warranties of any kind. To the fullest extent the law allows, I'm not liable for losses that result from using this site or relying on its general information. Nothing here limits any right you have under your policy or under insurance law.

Governing law

These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules.

Changes

I may update these terms from time to time. The version posted here, with the date above, is the one that applies.

Contact

Eric Pineda, licensed independent insurance agent (NPN 22238781), South Florida. (954) 260-5011 · [email protected]