KM1. About us
KM Life & Health is the business name of Karina Morales, an independent licensed insurance agent. In these terms, “we”, “us” and “our” refer to KM Life & Health / Karina Morales.
By using kmlifehealth.com you agree to these Terms of Use. If you do not agree, please do not use the website.
2. Information only, not advice
The content of this website is for general educational purposes only. It is not legal, tax, investment or insurance advice. Please speak with us or a qualified professional about your specific situation.
3. Products and availability
Insurance product availability, eligibility, rates and features vary by carrier and by state. We offer products only where we are licensed to do so. Any estimate or quote is subject to the carrier’s underwriting and approval.
4. Submitting a form does not create coverage
Sending a form or message does not create insurance coverage or an agent-client relationship. Coverage takes effect only when the insurance carrier issues the policy according to its terms.
5. Communications and your consent
When you submit our form and check the required box, you authorize us to contact you by phone call and email to respond to your request. Text and WhatsApp messages are sent only if you check the separate, optional box.
6. Text message (SMS) terms
- Program: KM Life & Health text messages (SMS and WhatsApp).
- Messages: policy notices, application status, appointment reminders and follow-up on your request. Marketing messages are sent only if you gave separate consent for them.
- Frequency: message frequency varies.
- Cost: message and data rates may apply.
- Opt out: reply STOP at any time. You will receive one confirmation and no more messages.
- Help: reply HELP, or write to info@kmlifehealth.com.
- Consent is optional and is not a condition of purchase.
- Mobile carriers are not liable for delayed or undelivered messages.
- See our Privacy Policy. We do not share your phone number or SMS consent with third parties for marketing.
7. Testimonials
Testimonials reflect the individual experiences of the people shown and are not a guarantee of future results. They were provided voluntarily and without compensation. Each client’s situation and outcome is unique.
8. Third-party links and services
This website may link to third-party services (for example WhatsApp or map services). We are not responsible for their content or privacy practices.
9. Intellectual property
The name, logo, text, images and design of this website belong to KM Life & Health or are used with permission. They may not be copied or used without authorization.
10. Disclaimer and limitation of liability
This website is provided “as is”. We work to keep it accurate and available, but we do not guarantee it will be error-free or uninterrupted. To the extent permitted by law, we are not liable for damages arising from the use of this website.
11. Governing law
These terms are governed by the laws of the State of Utah, United States.
12. Changes and contact
We may update these terms; the current version will always be posted on this page. Questions: info@kmlifehealth.com or the contact form on this website.