Last updated: October 14, 2025

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

About Our Services

Mowry Agency, owned and operated by Mowry Digital Enterprise LLC, is a licensed insurance agency that provides life insurance quotes, consultations, and related services. We are an independent agency representing multiple insurance carriers.

Licensing and Authorization

Mowry Agency is licensed to sell life insurance in multiple states. Our licensing information is displayed in the footer of our website and includes our National Producer Number (NPN): 16357772.

Important: We can only provide insurance services to residents of states where we are licensed. Not all products are available in all states.

No Guarantees or Warranties

While we strive to provide accurate information and competitive quotes:

• Quotes are estimates and not binding until an insurance contract is issued
• Final rates may differ based on underwriting and medical examinations
• We make no guarantees about insurance approval or specific rates
• Product availability varies by state and insurance carrier

Use of Website

You may use our website for lawful purposes only. You agree not to:

• Provide false or misleading information
• Attempt to gain unauthorized access to our systems
• Use the website in any way that could damage or impair its functionality
• Transmit any harmful code, viruses, or malicious software
• Violate any applicable laws or regulations

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Communication Consent

By submitting a quote request or providing your contact information, you consent to being contacted by Mowry Agency or our licensed representatives via:

• Phone calls (including automated/pre-recorded messages)
• Text messages (SMS)
• Email communications

This consent applies even if your phone number is on a Do Not Call registry. You may opt out of communications at any time by contacting us directly.

Intellectual Property

The content, design, and functionality of this website are owned by Mowry Digital Enterprise LLC and are protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

Third-Party Links

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

Limitation of Liability

To the fullest extent permitted by law, Mowry Agency and Mowry Digital Enterprise LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services.

Insurance Disclaimers

Important Insurance Disclosures:

• Independent Agency: We are not affiliated with or endorsed by any government agency
• Product Variations: Insurance products and features vary by state and carrier
• Tax Advantages: Tax benefits may vary based on individual circumstances - consult a tax professional
• Health Requirements: Most life insurance requires medical underwriting
• Guarantees: Policy guarantees are subject to the claims-paying ability of the issuing insurance company

Compliance and Regulations

Our services are subject to state insurance laws and regulations. We comply with:

• State insurance advertising and marketing regulations
• Telephone Consumer Protection Act (TCPA)
• CAN-SPAM Act for email communications
• State privacy and data protection laws

Changes to Terms

We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of our services constitutes acceptance of any changes.

Governing Law

These terms are governed by the laws of the state where our principal office is located, without regard to conflict of law principles.

Contact Information

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