Terms of Use

Welcome to gmgsj.com (the "Site"), operated by GMGSJ Insurance ("GMGSJ," "we," "us," or "our"). By using the Site, you agree to these Terms of Use. If you do not agree, please do not use the Site.

Informational purposes only

Content on this Site is general and educational. It is not tax, legal, investment, or financial advice, and it is not an offer to sell or a solicitation of any specific insurance product. Always review policy documents and consult qualified professionals for advice about your situation.

No guarantee of coverage

Requesting a quote does not create an insurance policy or guarantee coverage. All coverage is subject to the carrier's underwriting, approval, and policy terms. Product availability, eligibility, premiums, benefits, and features vary by carrier, state, and individual circumstances. Quotes are estimates until a policy is issued.

Licensing

GMGSJ Insurance is an independent life insurance brokerage. We are not an insurance company and do not issue policies; coverage is provided by the insurance carriers we represent.

Communications and text messages

By submitting a form and providing your phone number, you agree that we may contact you about your request. If you check the consent box, you also agree to receive calls and text messages, which may be sent using automated technology. Consent is not a condition of purchase. Message frequency varies; message and data rates may apply. Reply STOP to opt out or HELP for help.

Testimonials

Testimonials reflect individual experiences and may not be representative of all clients. Your experience, coverage, and pricing may differ.

Your responsibilities

You agree to provide accurate information and not to misuse the Site, including attempting to interfere with its operation, submit false information, or access it through automated means without permission.

Intellectual property

The Site's content, logo, design, and graphics are owned by GMGSJ Insurance or its licensors and may not be copied or used without permission. Third-party trademarks belong to their respective owners.

Third-party links

The Site may link to third-party websites. We are not responsible for their content or practices.

Disclaimer and limitation of liability

The Site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, GMGSJ Insurance is not liable for any indirect, incidental, or consequential damages arising from your use of the Site.

Privacy

Your use of the Site is also governed by our Privacy Policy.

Changes

We may update these Terms at any time. Continued use of the Site after changes means you accept the updated Terms.

Contact

Questions? Call or text 586-368-7685.