These Terms of Service (“Terms”) govern your access to and use of the website smartinsurance.life (the “Site”), operated by Smart Christian Life Insurance, Rafael Posadas (CA Lic. #0E44318). By accessing the Site or requesting a quote, you agree to these Terms.

1. No Insurance Contract

Information on this Site is provided for general educational purposes and does not constitute an offer of insurance, a binder, or a contract of insurance. Coverage is bound only by a written policy issued by a licensed carrier and accepted by the applicant.

2. Licensed States

Smart Christian Life Insurance and Rafael Posadas are licensed to transact life insurance in the State of California (CA Lic. #0E44318). We do not solicit, offer, or sell insurance in any state where we are not properly licensed and appointed.

3. Independent Agency Disclosure (Cal. Ins. Code § 1724.5, § 1726)

Smart Christian Life Insurance operates as an independent insurance producer. We are not the underwriter of any policy and we are not affiliated with, sponsored by, or endorsed by any government agency, Medicare, the Social Security Administration, or any single insurance carrier. Carrier names and logos appearing on the Site are the property of their respective owners and are used solely to identify carriers with whom we are appointed.

4. Acceptable Use

You will not use the Site to violate any law or regulation.
You will not submit fraudulent quote requests, impersonate another person, or misrepresent your identity.
You will not attempt to access non-public areas, interfere with the Site, or scrape data using automated tools.

5. Communications & Consent

By providing your phone number or email address, you consent to be contacted at the contact information provided regarding your quote request. Standard message and data rates may apply to text messages. You may opt out at any time as described in our Privacy Policy. See our Compliance & Disclosures page for our CAN-SPAM and TCPA practices.

6. Third-Party Links

The Site may link to third-party websites operated by carriers or other providers. We are not responsible for the content, accuracy, or privacy practices of any third-party site.

7. Intellectual Property

All content on the Site — text, graphics, logos, and images — is owned by Smart Christian Life Insurance or its licensors and is protected by U.S. copyright and trademark laws. You may not reproduce or redistribute Site content without our prior written consent.

8. Disclaimers

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Site will be uninterrupted or error-free. Insurance information is illustrative only; actual rates, terms, and availability are determined by the carrier.

9. Limitation of Liability

To the maximum extent permitted by law, in no event shall Smart Christian Life Insurance, Rafael Posadas, or any affiliated party be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of the Site.

10. Governing Law & Venue

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. Any dispute will be resolved exclusively in the state or federal courts located in San Diego County, California.

11. Changes to These Terms

We may update these Terms from time to time. The current version will always be posted at this URL with an updated revision date.

12. Contact

Rafael Posadas, CA Lic. #0E44318
Smart Christian Life Insurance
1240 E. Plaza Blvd. Ste. 604, PMB #454, National City, CA 91950-3634
Phone: (619) 707-1342 | Email: RTPosadas@smartinsurance.life