Terms of Service

Last updated: June 21, 2026

By accessing or using lifeinsurancebrokeradvocate.com (the "Site"), you agree to these Terms of Service. If you do not agree, please do not use the Site.

1. Educational Information, Not Advice

Content on this Site is provided for general educational purposes only and does not constitute legal, tax, financial, or personalized insurance advice. Individual situations vary; you should consult a licensed professional before making decisions about life insurance, including coverage amount, product type, beneficiaries, or riders.

2. Licensing

Richard Parslow is an independent life insurance broker licensed in the State of Texas (License #3076729, NPN 20873424). Quotes and product availability vary by carrier, state, age, health, and other underwriting factors.

3. No Guarantees

Premiums, illustrations, and policy features shown on the Site or in any quote are estimates only and are not guaranteed. Final rates, approval, and policy terms are determined by the issuing insurance carrier after underwriting. Past performance of insurance products with cash value components is not a guarantee of future results.

4. Third-Party Content and Links

The Site may link to third-party websites or display third-party advertisements. We do not control and are not responsible for third-party content, products, or services.

5. Intellectual Property

All content on the Site, including text, graphics, logos, and images, is the property of Life Policy Pilot or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without written permission.

6. User Conduct

You agree not to use the Site to transmit unlawful, harmful, or harassing content; to attempt unauthorized access; or to interfere with the Site's operation.

7. Disclaimers

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, Life Policy Pilot and Richard Parslow shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or any content on it.

9. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles. Any dispute shall be resolved in the state or federal courts located in Texas.

10. Changes

We may update these Terms from time to time. Continued use of the Site after changes constitutes acceptance.

11. Contact

Questions about these Terms? Email richardparslow@lifepolicypilot.blog.