Terms and Conditions

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Effective Date: June 1, 2026

Welcome to Golden State Life Insurance. By accessing or using this website, submitting your information, requesting a quote, scheduling an appointment, or communicating with us through any method, you agree to the following Terms and Conditions.

Golden State Life Insurance provides life insurance education, consultation, and policy placement services for residents of California. Our services may include, but are not limited to:

• Term Life Insurance
• Whole Life Insurance
• Final Expense Insurance
• Mortgage Protection Insurance
• Indexed Universal Life (IUL) Insurance
• Debt-Free Life Programs
• Insurance Reviews and Consultations

Submitting information through this website does not guarantee insurance coverage, policy approval, or specific rates. All insurance applications are subject to underwriting guidelines and carrier approval.

The information provided on this website is for informational purposes only and should not be considered legal, tax, financial, or investment advice.

You agree to use this website only for lawful purposes and in a manner that does not interfere with the operation of the website or the rights of other users.

Any quotes, estimates, or policy illustrations provided are based on information available at the time and are subject to change. Final premiums, coverage amounts, and policy terms are determined by the insurance carrier after underwriting and review.

Any personal information submitted through this website is handled in accordance with our Privacy Policy. We take reasonable measures to protect the information you provide.

By providing your phone number and opting in through our website forms, appointment scheduling tools, or other communication channels, you consent to receive SMS text messages from Golden State Life Insurance regarding:

• Appointment reminders
• Follow-up communications
• Insurance quote requests
• Policy information
• Customer service updates
• Marketing and promotional messages

Message and data rates may apply. Message frequency may vary.

You may opt out of receiving SMS messages at any time by replying STOP. For assistance, reply HELP or contact us directly.

SMS consent is not a condition of purchasing any goods or services.

By providing your email address, you agree that Golden State Life Insurance may contact you regarding insurance products, services, updates, educational information, appointment scheduling, and other business-related communications. You may unsubscribe from marketing emails at any time using the unsubscribe link included in the email.

All content on this website, including text, graphics, logos, images, and branding, is the property of Golden State Life Insurance unless otherwise noted. Unauthorized use, reproduction, or distribution of website content is prohibited.

Golden State Life Insurance shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use of this website or reliance upon information contained herein.

This website may contain links to third-party websites. We are not responsible for the content, policies, or practices of any third-party sites.

Golden State Life Insurance reserves the right to modify these Terms and Conditions at any time without prior notice. Updates will be posted on this page with a revised effective date.

Golden State Life Insurance

Website: goldenstatelife.com

Phone: (909) 588-6277

California Licensed Life Insurance Agent

If you have any questions regarding these Terms and Conditions, please contact us using the information above.