Terms and Conditions

1. Acceptance of These Terms

Effective Date: May 21, 2021

These Terms and Conditions ("Terms") govern your use of https://elrodfinancial.com (the "Site") and the services offered by Elrod Financial Group ("Elrod Financial," "we," "us," or "our"), an independent insurance agency based in San Antonio, Texas. By using the Site, submitting a form, booking an appointment, creating an account, or communicating with us, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

2. Eligibility

You must be at least 18 years old and able to enter a binding contract to use the Site or request our services. Products are offered only to residents of states where we are licensed.

3. Information Only; No Advice Through the Site

Content on the Site, including descriptions of life insurance, indexed universal life (IUL), annuities, disability income, critical illness, final expense, Medicare, and supplemental coverage, is for general educational purposes only. It is not insurance, tax, legal, or investment advice, and it is not an offer to sell or a solicitation in any state where we are not licensed.

Recommendations are made only after a personal consultation with a licensed agent. Your needs, health, and finances affect which products are suitable for you.

4. Insurance Product Disclosures

- Coverage is issued by the insurance carrier, not by Elrod Financial. The policy contract, not the Site, controls your coverage, benefits, exclusions, and costs.

- Coverage is not in force until a carrier approves your application, issues a policy, and you pay any required premium. Submitting a form or getting a quote does not bind coverage.

- Guarantees are backed by the claims-paying ability of the issuing carrier.

- IUL and annuity products are not bank deposits, not FDIC insured, and not direct investments in the stock market or any index. Indexed crediting is subject to caps, participation rates, and fees that can change.

- Descriptions of "tax-free" or "tax-advantaged" benefits are general. Policy loans and withdrawals reduce cash value and the death benefit, may cause the policy to lapse, and can have tax consequences. Consult a tax professional about your situation.

- Examples, illustrations, and projections are hypothetical and not guaranteed.

- We are not affiliated with or endorsed by the federal Medicare program or any government agency.

- We are paid commissions by carriers on policies we place. This does not add to your premium.

5. Quotes and Third-Party Tools

Quotes on or through the Site, including the "Instant" and "Guaranteed Approval" quote tools provided by Instabrain, are estimates. Final eligibility and pricing are set by the carrier after underwriting. Third-party tools and linked websites are governed by their own terms and privacy policies, and we are not responsible for their content, accuracy, or availability.

6. Accounts, Bookings, and Consultations

If you create an account, you are responsible for keeping your login secure and for activity under it. Give us accurate, complete information; insurance applications with false or missing information can be denied, rated, or rescinded by the carrier.

Consultations are free and carry no obligation to buy. Please give at least 24 hours' notice if you need to cancel or reschedule. We may decline or cancel an appointment at our discretion.

7. Careers Applications

Submitting an application through the "Join Our Team" form does not create an offer of employment or an independent contractor relationship. Agent opportunities require state licensing and carrier appointments, and earnings depend on individual results and are not guaranteed.

8. Calls and Text Messages

By giving us your phone number and checking the consent box, you agree that Elrod Financial may call and text you at that number about your inquiry, appointments, and our services. This includes calls and texts placed using automated technology, artificial or prerecorded voice, or an AI voice assistant. Consent is not a condition of purchase.

- Program: Elrod Financial appointment and service messages

- Frequency: varies based on your requests and appointments

- Cost: message and data rates may apply

- Help: reply HELP, call (210) 817-5442, or email support@elrodfinancial.com

- Carriers are not liable for delayed or undelivered messages

Calls may be recorded and transcribed. Our AI voice assistant schedules appointments and answers basic questions only; it does not give advice or bind coverage. You can ask for a person at any time. See our Privacy Policy for how we handle phone numbers and recordings. You confirm that the number you give is yours or that you are authorized to use it.

How to Opt Out

You can withdraw your consent at any time, by any reasonable means, including:

- Texts: reply STOP, END, CANCEL, QUIT, UNSUBSCRIBE, or STOP ALL to any message. You will receive one final text confirming you've been unsubscribed, and no further texts after that. To opt back in, reply START.

- Calls: tell our agent or AI voice assistant during any call that you don't want to be called again.

- Email marketing: click "unsubscribe" at the bottom of any marketing email.

- Any method: call (210) 817-5442 or email support@elrodfinancial.com and ask to be removed from calls, texts, or emails.

We will honor opt-out requests promptly and within the time required by law, and add your number to our internal do-not-call list. Opting out of marketing does not stop messages you need about an active application or policy, such as appointment confirmations you request or required policy notices, unless you ask us to stop those too.

9. Acceptable Use

You agree not to:

- Submit false information, or information about another person without their permission

- Use the Site for any unlawful purpose or to send spam

- Interfere with the Site's security or operation, or try to get around reCAPTCHA or other protections

- Scrape, copy, or collect content or data from the Site using automated means

10. Intellectual Property

The Site's text, graphics, logos, and design belong to Elrod Financial or its licensors and are protected by law. You may view and print pages for personal, non-commercial use. Any other use requires our written permission. Carrier names and logos belong to their owners and do not imply endorsement.

11. Disclaimer of Warranties

The Site and its content are provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express