Terms of Service

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Welcome to Albert B Life Insurance (“Company,” “we,” “our,” or “us”). By using our website, services, or products, you (“you,” “your,” or “user”) agree to these Terms of Service. Please read them carefully.

By accessing or using our services, you agree to be bound by these Terms. If you do not agree, you may not use our website or services.

You must be at least 18 years old (or the legal age of majority in your jurisdiction) to apply for insurance products or use our services.

You agree to use our website and services only for lawful purposes and in compliance with all applicable laws and regulations. You agree not to:

• Misrepresent your identity or provide false information.
   
• Interfere with or disrupt the security or functionality of our website.
   
• Use our content or materials for any unauthorized commercial purposes.

Submitting an application for insurance does not guarantee coverage. All insurance products are subject to underwriting approval, eligibility, and applicable laws. Terms, conditions, and exclusions apply to all policies.

Depending on your location, you may have rights such as:

• Accessing and obtaining a copy of your data.
   
• Requesting corrections to your data.
   
• Requesting deletion of your personal information.
   
• Opting out of marketing communications.
   

To exercise these rights, please contact us at the information below.

All content on this website, including text, graphics, logos, and other materials, is the property of Albert B Life Insurance or its licensors. You may not copy, reproduce, distribute, or create derivative works without our prior written consent.

To the fullest extent permitted by law, Albert B Life Insurance is not liable for any damages arising out of or related to your use of our website, services, or reliance on any content provided. This includes, but is not limited to, indirect, incidental, consequential, or punitive damages.

The information provided on our website and in our communications is for general informational purposes only. It should not be considered financial, legal, or tax advice. Please consult with a licensed professional for advice specific to your situation.

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or privacy practices of these external sites.

We reserve the right to suspend or terminate your access to our website or services at any time, without prior notice, if you violate these Terms.

We may update these Terms of Service from time to time. Any changes will be posted on this page with a revised effective date. Continued use of our services after changes constitutes acceptance of the new Terms.

These Terms are governed by and construed in accordance with the laws of [Insert State], without regard to its conflict of law principles.

If you have any questions about these Terms, please contact us:

Albert B Life Insurance

albertbinman@gmail.com