Terms & Conditions

These Terms & Conditions ("Terms") govern your use of the Leverage Finance Group website and any communications you have with Leverage Finance Group ("we," "us," or "our"), including through our chat widget, phone, SMS, or email. By using our website or submitting your information to us, you agree to these Terms.

1. Who We Are

Leverage Finance Group is an independent insurance agency. We are not affiliated with, endorsed by, or sponsored by any government agency, including the Social Security Administration or Medicare. Our licensed agents, including Ruben Godinez, provide education and guidance on insurance and financial products, including Indexed Universal Life (IUL) insurance.

2. Educational Purpose, Not Advice

Content on this website is provided for general educational purposes only and does not constitute financial, tax, or legal advice. Indexed Universal Life insurance is not a deposit, is not FDIC insured, and is not a direct investment in any stock market index. Cash value growth, loan provisions, caps, floors, and participation rates vary by carrier and policy and are not guaranteed unless explicitly stated in a policy contract. You should consult a licensed professional regarding your specific situation before making any insurance or financial decision. Products and availability vary by state.

3. Eligibility

Our website and services are intended for individuals who are at least 18 years old and legal residents of the United States. By using our website, you represent that you meet these requirements.

4. Communications Consent

By submitting your contact information through our website or chat widget, you consent to be contacted by Leverage Finance Group by phone, SMS text message, or email regarding your inquiry. Message and data rates may apply to SMS communications, and message frequency varies. You may opt out of SMS messages at any time by replying STOP, or reply HELP for assistance. Your mobile opt-in information is not shared with third parties for their own marketing purposes.

Providing your contact information is not a condition of purchasing any product or service, and consent to receive communications is not required to obtain a quote through other means.

5. No Guarantee of Outcomes

Nothing on this website or in any communication from us should be interpreted as a guarantee of coverage, approval, pricing, or investment performance. Actual policy terms, rates, and eligibility are determined by the issuing insurance carrier based on underwriting.

6. Intellectual Property

All content on this website, including text, graphics, logos, and design, is the property of Leverage Finance Group or its licensors and may not be copied, reproduced, or distributed without prior written permission.

7. Limitation of Liability

To the fullest extent permitted by law, Leverage Finance Group and its agents, officers, and employees are not liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on information provided through it.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or privacy practices of any third-party site.

9. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict of law principles, unless otherwise required by applicable insurance regulations in your state of residence.

10. Changes to These Terms

We may update these Terms from time to time. Any changes will be posted on this page with a revised effective date. Your continued use of our website after changes are posted constitutes acceptance of the updated Terms.

11. Contact Us

If you have questions about these Terms, you can reach us at: