Terms of Services

Welcome to Team Abernathy Financial Insurance Agency (“we,” “us,” “our”). By using this website, requesting a quote, submitting your information, or communicating with us in any way, you agree to the following Terms and Conditions. If you do not agree, don’t use the site. Simple.

1. What We Do

Team Abernathy Financial Insurance Agency provides insurance-related services, including but not limited to:

Life insurance

Health insurance

Property & casualty (home, auto, etc.)

Commercial insurance

Financial protection products

We connect you with insurance products from licensed carriers and help you evaluate coverage options. We are not an insurance carrier ourselves — we are an agency.

2. No Financial or Legal Advice

Any information on this website, in emails, texts, calls, or conversations is for general informational purposes only. It does not replace professional legal, tax, or financial advice.

You are responsible for:

Reviewing all policy documents

Understanding coverage, exclusions, and limitations

Making your own final purchasing decisions

If you need legal or tax advice, talk to a professional who actually charges by the hour.

3. Quotes & Coverage

Quotes provided through this site or by our team are:

Estimates only

Subject to underwriting

Based on information you provide

Final pricing and coverage are determined solely by the insurance carrier after application review and approval.

We are not responsible for:

Rate changes

Policy denials

Coverage modifications

Underwriting decisions

That’s the carrier’s call — not ours.

4. Client Responsibility

By working with us, you agree that:

All information you provide is accurate and complete

You will notify us of changes that may affect your coverage

You will review your policy documents after purchase

If you give bad info, you get bad outcomes. That’s not on us.

5. No Guarantee of Coverage or Savings

We aim to help you find suitable and affordable coverage. However, we do not guarantee:

Approval for any policy

Specific pricing

Certain benefits

Eligibility for any plan

Insurance companies make those decisions — we help you navigate them.

6. Communication & Consent

By submitting your information, you agree to be contacted by Team Abernathy Financial Insurance Agency via:

Phone

Text message

Email

Voicemail

Automated systems

This includes follow-ups, quotes, reminders, and service updates.
You may opt out at any time by replying STOP or requesting removal.

We don’t spam — but we do follow up like professionals.

7. Third-Party Providers

Some services, quotes, or coverage options may involve third-party insurance carriers or technology providers. We are not responsible for their:

Websites

Systems

Errors

Policies

Delays

If they mess up, you take it up with them — not us.

8. Limitation of Liability

To the fullest extent allowed by law, Team Abernathy Financial Insurance Agency is not liable for:

Financial losses

Coverage gaps

Missed claims

Carrier decisions

System downtime

Inaccurate information provided by clients

If something goes sideways, our liability is limited to the amount of commission (if any) earned on your policy.

No lottery tickets here.

9. Intellectual Property

All content on this site (text, logos, branding, graphics) belongs to Team Abernathy Financial Insurance Agency.
Don’t steal it. That’s tacky and illegal.

10. Changes to These Terms

We can update these Terms at any time. Continued use of this website or our services means you accept the changes.

11. Governing Law

These Terms are governed by the laws of the state in which Team Abernathy Financial Insurance Agency operates.

12. Contact

If you have questions about these Terms, contact us through the website or directly through our office.