Terms and Conditions

Using This Website

This website belongs to Life Insurance Midland, which works with clients in Midland, TX and the surrounding area. By reading or using the site, you agree to these terms. If you do not agree, please stop using the site.

General Information Only

The pages here explain how term life, whole life, universal life and other coverage types generally work. They are written to help you understand your choices. They are not financial, tax or legal advice for your own situation.

Nothing on this site is an offer of coverage. Reading about a policy here does not mean you qualify for it or that it is in force.

Quotes and Policies

Any quote we give by phone is an estimate based on what you tell us. The insurance company sets the final price and terms after you apply and it reviews your application, which can include health questions or an exam.

Once a policy is issued, the policy document is what counts. If anything on this website differs from your policy, follow the policy.

Talking With Us by Phone

The phone is the only way to reach us. When you call, you decide what to share. Please give accurate answers about your age, health and the people you want as a beneficiary, because wrong details can change a quote or cause problems with a claim later.

Site Content

The words, layout and graphics on this site belong to Life Insurance Midland unless noted otherwise. You may read and print pages for your own use. Please do not copy or republish them for business purposes without our permission.

Limits of Responsibility

We work to keep the information here correct and current, but insurance rules and products change. The site is provided as it is, and we are not responsible for losses that come from relying on it in place of talking with an agent about your own needs.

We may change or take down pages at any time without notice.

Texas Law and Updates

These terms are governed by the laws of the State of Texas. We may update them from time to time, and the version posted on this page is the one that applies when you use the site.

Questions About These Terms

If something here is unclear, we will walk you through it in plain words. Reach us at (432) 287-5495.