1. Acceptance of These Terms
By accessing or using this website, you agree to these Terms of Use and our Privacy Policy. If you do not agree, please do not use the website.
2. Insurance Information and Services
This website provides information about life insurance and allows consumers to submit requests to discuss potential insurance options with Denise Navarro, a licensed insurance agent serving Florida and Texas.
Insurance products currently discussed through this website are offered through Lincoln Heritage Life Insurance Company.
3. No Guarantee of Coverage
Completing an insurance questionnaire, requesting information, speaking with an insurance agent, or submitting an application does not guarantee:
- Eligibility for insurance
- Approval of an application
- A particular insurance benefit
- A particular premium or price
- A particular coverage amount
- Immediate coverage
- Issuance of an insurance policy
Insurance availability, eligibility, premiums, benefits, coverage amounts, effective dates, and policy issuance are subject to applicable underwriting requirements, policy terms, carrier rules, state availability, and the applicant's individual circumstances.
4. No Insurance Coverage Is Bound Through This Website
Submitting information through this website does not create, bind, activate, or place insurance coverage in force.
Insurance coverage becomes effective only according to the terms, conditions, approvals, effective dates, and requirements of an issued insurance policy.
5. Accuracy of Information
You agree to provide information that is accurate and complete to the best of your knowledge.
Insurance decisions may depend on information provided during an application or underwriting process. Inaccurate, incomplete, or misleading information may affect eligibility, policy issuance, benefits, or other insurance matters according to applicable policy terms and law.
6. Website Information Is General
Website content is provided for general informational and insurance inquiry purposes. It is not a substitute for the actual terms, conditions, exclusions, limitations, definitions, riders, benefits, and provisions contained in an insurance policy.
If website content differs from an issued insurance policy, the terms of the applicable policy control to the extent provided by law.
7. No Legal, Tax, Medical, or Financial Advice
Nothing on this website is intended as legal, tax, medical, investment, or financial-planning advice.
You should consult an appropriately qualified professional for advice concerning those subjects.
8. No Government Affiliation
Navarro Insurance Solutions and Lincoln Heritage Life Insurance Company are not affiliated with, connected with, sponsored by, or endorsed by the United States government or any state government.
9. Fees and Insurance Premiums
Navarro Insurance Solutions does not charge consumers a fee merely to use this website, submit an insurance request, or speak with Denise Navarro.
If insurance is applied for or issued, applicable insurance premiums are determined according to the insurance product, underwriting requirements, applicant information, policy terms, and carrier requirements.
10. Telephone and Text Communications
If you submit a telephone number and provide consent, you authorize communications concerning the insurance request in accordance with the consent language presented when you submit your information and applicable law.
Consent to marketing communications is not a condition of purchasing insurance.
11. Intellectual Property
Unless otherwise indicated, website design, original text, graphics, branding, and other original website content are owned by or used with permission by Navarro Insurance Solutions and may be protected by applicable intellectual-property laws.
You may use the website for personal, noncommercial purposes associated with seeking information about insurance. You may not reproduce, distribute, exploit, interfere with, or misuse website content or systems without appropriate authorization.
12. Prohibited Use
You may not use this website to:
- Submit knowingly false or fraudulent information
- Impersonate another person
- Attempt unauthorized access to website systems
- Introduce malware or harmful code
- Interfere with website availability or security
- Use automated systems to abuse website forms
- Violate applicable law
13. Third-Party Services
The website may rely on or link to third-party technology, hosting, communication, advertising, analytics, database, or insurance-related services.
Those services may have their own terms and privacy practices.
14. Website Availability
We attempt to maintain a reliable website, but we do not guarantee uninterrupted, error-free, or continuously available access.
Website functionality may be changed, suspended, or discontinued for maintenance, security, business, compliance, technical, or other reasons.
15. Limitation of Liability
To the extent permitted by applicable law, Navarro Insurance Solutions is not responsible for indirect, incidental, consequential, or special damages arising solely from use of, inability to use, or reliance upon this website.
Nothing in these Terms is intended to waive or limit a right or remedy that cannot legally be waived or limited.
16. Changes to These Terms
We may update these Terms as the website, business, technologies, insurance processes, or legal requirements change.
Continued use of the website after updated Terms are posted is subject to the then-current Terms.
17. Applicable Law
Use of this website and insurance-related activities are subject to applicable federal and state law, including applicable insurance laws and regulations in the jurisdictions where services are provided.
18. Contact
Navarro Insurance Solutions
1856 SE 20th Rd, Homestead, FL 33035
Phone: (786) 239-0739
Email: info@navarroinsurancesolutions.com