Terms & Conditions

Welcome to Golden Years Protection. By accessing or using our website (goldenyearsprotection.net) and services, you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our website.

About Our Services

Golden Years Protection is operated by Jose “Joe” Rangel, an independent life insurance broker (NPN #21207986) based in Fort Worth, Texas. We help individuals and families compare life insurance products from multiple A-rated carriers. We are not an insurance company — we are an independent broker that shops carriers on your behalf.

No Guarantee of Coverage

Requesting a quote or submitting information through our website does not guarantee insurance coverage, approval, or specific rates. All coverage is subject to the underwriting guidelines and approval of the issuing insurance carrier. Rates, terms, and availability may vary based on your individual circumstances.

Not Financial or Legal Advice

The information on this website is for general educational purposes only and should not be construed as financial, legal, or tax advice. We recommend consulting with a qualified financial advisor, attorney, or tax professional for advice specific to your situation.

Communication Consent

By submitting a form on our website, you provide express written consent to receive calls, text messages, and emails from Golden Years Protection at the phone number and/or email address you provide. This consent is given in accordance with the Telephone Consumer Protection Act (TCPA). Message frequency may vary. Message and data rates may apply. Reply STOP to opt out of text messages at any time, or reply HELP for assistance.

Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Golden Years Protection or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or availability of these external sites. Accessing third-party links is at your own risk.

Limitation of Liability

To the fullest extent permitted by law, Golden Years Protection and its owner, Jose Rangel, shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services. Our total liability for any claim shall not exceed the amount you paid for our services, if any.

Accuracy of Information

We make every effort to ensure the information on our website is accurate and up to date. However, we do not warrant that all information is complete, current, or free of errors. Insurance products, rates, and regulations change frequently. Always verify details with your licensed broker or the issuing carrier.

Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the State of Texas. Any disputes arising from these terms shall be resolved in the courts of Tarrant County, Texas.

Changes to These Terms

We reserve the right to update these Terms & Conditions at any time. Changes will be posted on this page with an updated effective date. Continued use of the website after changes are posted constitutes acceptance of the revised terms.

Contact Us

If you have questions about these Terms & Conditions, contact us at:

Golden Years Protection
Joe Rangel, Licensed Independent Broker
NPN #21207986
Phone: (682) 254-1786
Email: joe@goldenyearsprotection.net