Terms & Conditions

Last Updated: October 25, 2026

Welcome to Estrada Insurance LLC. These Terms & Conditions (“Terms”) govern your use of our website, communications, and services. By accessing or using our website or services, you agree to these Terms.

1. About Estrada Insurance LLC

Estrada Insurance LLC provides insurance-related information, guidance, and assistance regarding products and services that may include life insurance, Indexed Universal Life (IUL), financial protection, retirement planning strategies involving insurance products, and other related insurance solutions.

Estrada Insurance LLC
605 W 15th ST
Hialeah, FL 33010
United States

Phone: +1 754-325-3030
Email: [email protected]

Insurance availability, eligibility, benefits, premiums, and coverage may vary depending on the insurance carrier, policy type, location, underwriting requirements, and individual circumstances.

2. Insurance Information and Services

Information provided through this website is intended for general informational purposes and to help consumers explore potential insurance options.

Information presented on this website does not constitute a guarantee of eligibility, coverage, benefits, pricing, policy approval, or issuance of any particular insurance product.

Final coverage, premiums, benefits, exclusions, limitations, and eligibility are determined by the applicable insurance carrier and the terms of the specific insurance policy.

Indexed Universal Life (IUL) insurance products are subject to policy terms, fees, charges, underwriting requirements, and applicable limitations.

Any illustrations, projections, or examples involving potential cash value accumulation, index-linked interest crediting, or policy benefits are for informational purposes only and do not guarantee future performance.

Actual results may vary based on policy terms, credited interest, premiums paid, policy charges, and other factors.

3. Communications

When you contact Estrada Insurance LLC, you may receive communications related to your inquiry, requested insurance information, appointments, insurance quotes, applications, policy servicing, customer service, and other services you have requested.

Depending on the communication preferences and consent you provide, communications may occur by telephone, email, SMS/text message, or other available communication channels.

4. Estrada Insurance LLC SMS Program

Estrada Insurance LLC offers an SMS messaging program to communicate with individuals who have expressly opted in to receive text messages from us.

By separately opting in to receive SMS messages, you agree that Estrada Insurance LLC may send text messages to the mobile number you provided.

Messages may include, depending on the consent you provide:

Responses and follow-up regarding your insurance inquiry;
Appointment confirmations and reminders;
Information you requested about life insurance, Indexed Universal Life (IUL), or other insurance products;
Insurance quote follow-ups;
Insurance application or underwriting-related updates;
Policy-related notifications;
Customer service communications; and
Marketing or promotional communications regarding insurance products or services where you have separately consented to receive such messages.

Message frequency varies.

Message and data rates may apply.

Consent to receive SMS marketing messages is not a condition of purchasing any goods or services from Estrada Insurance LLC.

5. SMS Opt-Out Instructions

You can cancel the SMS service at any time by replying STOP to any text message you receive from Estrada Insurance LLC.

After you send STOP, you may receive a confirmation message indicating that you have been unsubscribed.

After your opt-out request has been processed, you will no longer receive messages from the applicable SMS program unless you subsequently opt in again.

6. Rejoining the SMS Program

If you previously opted out and would like to receive SMS messages again, you may re-enroll using the same opt-in method you originally used or another available opt-in method provided by Estrada Insurance LLC.

Once you provide the required consent again, SMS communications may resume.

7. SMS Help and Support

For assistance with our SMS program, reply HELP to a message you receive from us.

You may also contact Estrada Insurance LLC directly:

Phone: +1 754-325-3030
Email: [email protected]

8. Wireless Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

Delivery of SMS messages is subject to effective transmission by your wireless service provider and is outside the control of Estrada Insurance LLC.

Message and data rates may apply to messages sent to you from us and messages sent by you to us.

For questions regarding your text messaging or data plan, please contact your wireless provider.

9. SMS Consent and Privacy

Your participation in our SMS program is subject to our Privacy Policy.

You must be 18 years of age or older to use this SMS service.

Estrada Insurance LLC does not sell, rent, or share your mobile phone number, SMS opt-in information, or SMS consent with third parties or affiliates for their own marketing or promotional purposes.

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.

Information may be shared with service providers or subcontractors solely as necessary to provide services on our behalf, such as communications infrastructure, customer relationship management, and customer support, subject to appropriate restrictions.

All other use categories exclude text messaging originator opt-in data and consent. This information will not be shared with third parties or affiliates for their own marketing or promotional purposes.

For additional information about how we collect, use, and protect personal information, please review our Privacy Policy:

Privacy Policy: https://estrada-insurance.com/privacy-policy

10. User Responsibilities

By using our website or providing information to Estrada Insurance LLC, you agree to provide information that is accurate and current to the best of your knowledge.

You are responsible for ensuring that any telephone number, email address, or other contact information you provide belongs to you or that you are authorized to provide it.

When requesting insurance quotes, submitting applications, or providing information relevant to insurance coverage, you agree to provide truthful and complete information to the best of your knowledge.

Providing inaccurate or incomplete information may affect insurance eligibility, underwriting decisions, policy issuance, or coverage.

11. Third-Party Insurance Carriers and Services

Estrada Insurance LLC may provide information regarding insurance products offered by third-party insurance carriers.

Those products are governed by the terms, conditions, exclusions, limitations, underwriting requirements, and policies established by the applicable carrier.

Estrada Insurance LLC is not responsible for the availability or operation of third-party websites, systems, or services that may be linked to or referenced from our website.

Insurance applications, approvals, policy issuance, claims, and benefits are subject to the applicable insurance carrier's requirements and contractual obligations.

12. Website Use

You agree not to use this website for any unlawful purpose or in a manner that could damage, disable, interfere with, or impair the website or its operation.

Content on this website, including text, graphics, branding, logos, and other materials, may not be reproduced or distributed without authorization except as permitted by applicable law.

13. Disclaimer of Warranties

We strive to provide accurate and current information; however, Estrada Insurance LLC does not warrant that all website content will always be complete, current, or error-free.

Insurance products, policy availability, eligibility requirements, benefits, premiums, and pricing may change without notice and are subject to the applicable carrier's terms and conditions.

Information regarding Indexed Universal Life (IUL) insurance, cash value accumulation, death benefits, or retirement-related strategies is provided for general informational purposes and should not be interpreted as a guarantee of financial results.

Insurance policies may contain fees, charges, surrender periods, exclusions, and other limitations.

Consumers should carefully review all applicable policy documents and disclosures before making insurance decisions.

14. Limitation of Liability

To the fullest extent permitted by applicable law, Estrada Insurance LLC will not be liable for indirect, incidental, special, or consequential damages arising from your use of this website or reliance on information provided through it.

Nothing in these Terms is intended to limit any rights or remedies that cannot legally be limited under applicable law.

15. Compliance With Messaging Standards

Estrada Insurance LLC intends to operate its messaging programs in accordance with applicable laws, regulations, carrier requirements, and industry messaging standards.

Abuse, spam, unauthorized messaging, or use of our communications services in violation of applicable law is prohibited.

We are committed to respecting consumer communication preferences and honoring applicable opt-out requests.

16. Changes to These Terms

Estrada Insurance LLC may update these Terms & Conditions periodically to reflect changes to our services, business practices, legal requirements, or messaging programs.

Any updates will be posted on this page with a revised “Last Updated” date.

Your continued use of our website or services after an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.

17. Contact Us

If you have questions about these Terms & Conditions or our services, please contact:

Estrada Insurance LLC

605 W 15th ST
Hialeah, FL 33010
United States

Phone: +1 754-325-3030
Email: [email protected]