Terms of Use — Richard Williams Agency

1. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, please do not use the site.

2. Nature of Services

Richard Williams Agency is an independent insurance brokerage. Information on this site is a solicitation for insurance and is provided for general informational purposes only. It is not legal, tax, or financial advice. Availability, rates, and product features vary by state, age, health, and carrier underwriting.

3. Not a Government Agency

Richard Williams Agency is not a government agency and is not affiliated with, endorsed by, or sponsored by the Social Security Administration, Medicare, or any other federal or state program.

4. Quote Requests and Consent

When you submit a quote request, you represent that the information you provide is accurate and that you are the authorized user of the phone number and email address submitted. You consent to be contacted as described in our Privacy Policy, including via autodialed calls, pre-recorded messages, SMS/text, and email. Consent is not a condition of purchase.

5. Sharing with Carriers

Your information may be shared with life insurance carriers and licensed agents in order to prepare quotes and applications. Any policy you elect to purchase will be issued by the carrier subject to that carrier's application, underwriting, and terms.

6. Intellectual Property

All content on this site, including text, graphics, logos, and images, is the property of Richard Williams Agency or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without written permission.

7. Disclaimers and Limitation of Liability

This site is provided on an "as is" and "as available" basis without warranties of any kind. To the fullest extent permitted by law, Richard Williams Agency disclaims all warranties, express or implied, and shall not be liable for any indirect, incidental, or consequential damages arising from your use of the site or any quote provided.

8. Changes to These Terms

We may update these Terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the revised Terms.

9. Contact

Richard Williams Agency
Phone: 863-940-9062
NPN 597029