Terms & Conditions

Agreement to Terms

By accessing or using the website goldenyearsprotection.net (“the Site”), you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use the Site.

About Golden Years Protection

Golden Years Protection is operated by Joe Rangel, an independent, licensed life insurance agent (NPN #21207986) based in Fort Worth, Texas. Golden Years Protection provides life insurance quotes and policy recommendations.

SMS Messaging Program: Golden Years Protection Insurance Communications

By submitting a form on this website, you consent to enroll in the Golden Years Protection Insurance Communications SMS messaging program.

Program Description

Appointment reminders, quote follow-ups, responses to your inquiries, scheduling assistance, and policy information delivered via text message to the phone number you provided when opting in. Some messages may be generated or assisted by AI. AI-assisted replies provide general information and help coordinate contact with a licensed insurance professional.

Message Frequency

Message frequency varies based on your requests, replies, appointment activity, and follow-up.

Message & Data Rates

Message and data rates may apply. Contact your mobile carrier for details about your text messaging plan.

Opt-Out Instructions

Reply STOP to opt out of text messages at any time. You may also request that text messages stop by contacting Golden Years Protection using the contact information below. After opting out, you may receive one confirmation message. No further messages will be sent through this SMS program unless you subsequently provide new express written consent to receive them. Submitting another inquiry does not, by itself, reverse a previous opt-out.

Help & Support

Reply HELP for assistance, or contact Golden Years Protection directly:

• Phone: 682-254-1786
• Website: goldenyearsprotection.net/contact

Consent

Consent to receive text messages is not required as a condition of purchasing any insurance product or service. You may opt out at any time without affecting your ability to obtain insurance quotes or coverage.

Insurance Disclaimer

Information provided through this website, via text message, or by Grace or another AI assistant is for general informational purposes only and does not constitute insurance advice, a binding quote, or an offer of coverage. All insurance quotes are subject to underwriting approval by the issuing carrier. Golden Years Protection is not an insurance company. It is an independent operation that facilitates quotes and applications on behalf of clients.

No insurance advice is provided via text message or by an AI assistant. Grace is an AI virtual assistant, not a licensed insurance professional. AI responses may be incomplete or inaccurate and should not be relied on to determine eligibility, policy benefits, exclusions, premiums, or whether coverage is in force. All policy recommendations are made during scheduled consultations with a licensed insurance professional.

Website Use

The content on this website is provided for general informational purposes. While reasonable efforts are made to keep information accurate and up to date, Golden Years Protection makes no warranties or representations about the completeness or accuracy of the content.

Limitation of Liability

Golden Years Protection shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of this website, reliance on information provided, or text messages received through the SMS program.

Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the State of Texas.

Changes to These Terms

These Terms & Conditions may be updated at any time. Changes will be posted on this page with an updated effective date.

Contact

For questions about these terms, please contact: