Terms of Service

Effective Date: June 24, 2026

Welcome to the website of Codey Clay Insurance Services ("we," "our," or "us"). By accessing or using this website, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use this website.

1. Informational Purposes Only

The information provided on this website is for general informational and educational purposes only. Nothing on this website constitutes legal, tax, investment, or financial advice.

Insurance recommendations should be based on your individual circumstances and eligibility.

2. Insurance Services

Codey Clay is a licensed life insurance agent (California License #4537910) contracted with American Income Life Insurance Company.

Submitting information through this website does not guarantee:

Insurance coverage

Policy approval

Eligibility for any insurance product

Premium rates

Policy issuance

All insurance products are subject to underwriting approval, policy terms, conditions, limitations, exclusions, and state availability.

3. No Professional Advice

The content on this website should not replace advice from qualified legal, tax, accounting, or financial professionals.

You should consult appropriate professionals regarding your personal circumstances before making financial or insurance decisions.

4. User Responsibilities

By using this website, you agree that you will:

Provide accurate and truthful information.

Use the website only for lawful purposes.

Not attempt to interfere with the operation or security of the website.

Not submit false, fraudulent, or misleading information.

5. Appointment Requests

Submitting a request for a consultation or quote does not create an agent-client relationship or guarantee that services will be provided.

Appointments are subject to availability.

6. SMS Communications

If you provide your mobile phone number and expressly consent to receive text messages, you agree that we may send you SMS messages related to your inquiries, appointments, policy requests, customer service, and other insurance-related communications.

Message frequency may vary.

Message and data rates may apply.

Reply STOP to unsubscribe.

Reply HELP for assistance.

Consent to receive SMS messages is not a condition of purchasing any insurance product or service.

7. Intellectual Property

Unless otherwise noted, all website content, including text, graphics, logos, designs, images, and layout, is the property of Codey Clay Insurance Services or is used with permission.

You may not reproduce, copy, modify, distribute, or commercially use any content without prior written permission.

8. Third-Party Websites

This website may contain links to third-party websites for your convenience.

We do not control or endorse those websites and are not responsible for their content, security, or privacy practices.

9. Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis.

We make no warranties or representations regarding:

The accuracy or completeness of website content

Availability of the website

Uninterrupted or error-free operation

Suitability of insurance products for any particular individual

10. Limitation of Liability

To the fullest extent permitted by law, Codey Clay Insurance Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or reliance on its content.

11. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.

12. Changes to These Terms

We reserve the right to update or modify these Terms of Service at any time.

Changes become effective upon posting to this page.

Your continued use of the website after changes are posted constitutes acceptance of the updated Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

14. Contact Information

Codey Clay
Licensed Life Insurance Agent (California License #4537910)

Email: [email protected]
Phone: (510) 830-9501

Insurance Disclosure

Codey Clay is a licensed life insurance agent contracted with American Income Life Insurance Company. This website is independently owned and operated and is not the official website of American Income Life Insurance Company. Insurance products are subject to underwriting approval, policy terms, conditions, limitations, exclusions, and state availability.

SMS Compliance Notice

By opting in to receive SMS messages, you consent to receive communications related to your insurance inquiry or services you have requested.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services (such as customer service or technical support) is permitted. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Frequently Asked Questions

Common Questions Answered for your convenience.

What types of life insurance do you offer?

We specialize in permanent life insurance solutions, including Whole Life, Universal Life, Final Expense, Life Paid-Up at 65, Family Coverage Plans, Executive Life Insurance, and retirement-focused strategies. We'll help you compare your options and find coverage that fits your goals and budget.

Do I have to schedule an appointment to get information?

While an appointment allows us to provide personalized recommendations, you're welcome to contact us with general questions at any time. We're here to help you better understand your options before making a decision.

Can my life insurance policy build cash value?

Yes. Many permanent life insurance policies may accumulate cash value over time. Depending on the policy, you may be able to access a portion of that value through policy loans or withdrawals. Availability, growth, and access depend on the policy's terms and conditions.

How do I know which life insurance policy is right for me?

Every person's financial situation and goals are different. During your consultation, we'll review your needs, explain the available options, and help you understand which solutions may be appropriate for you. There is no obligation to purchase a policy.

How much coverage should I purchase?

The right amount of coverage depends on your financial goals, family obligations, income, debts, and future plans. During your complimentary consultation, we'll review your situation and help you determine a coverage amount that aligns with your needs.

Can I update my coverage as my needs change?

Life changes such as marriage, having children, purchasing a home, or changing careers may affect your insurance needs. Reviewing your coverage periodically can help ensure it continues to align with your goals.