Terms of Service
Last updated 7 November 2026.
1. Informational purpose only
khalsafirstlife.com is run by Khalsa First Life Financial Group to explain the kinds of life insurance and annuities we help with and to let you ask a licensed agent to contact you. By using the website you agree to these terms. If you don't agree, please don't use it.
2. No professional advice
What you read here is general information, not advice for your situation, and it isn't legal, tax or investment advice. A recommendation comes only from a licensed agent who has talked with you about your needs. For legal or tax questions, speak with a professional in that field.
3. No guarantee of coverage
Nothing on this website is an offer of insurance or a promise that you will be covered. Prices and features on the website are examples. Coverage starts only when a carrier approves an application and issues a policy, on that carrier's terms. Every carrier makes its own decision, and products, prices and features differ by carrier and by state.
4. Licensing
Insurance is offered through licensed agents. The agency holds licenses in every state, and each agent works only in the states where that agent is licensed and appointed. Some products and carriers aren't offered in every state.
5. Eligibility
You must be at least 18 and in the United States to ask for a quote or an interview through this website, and the details you send must be true and your own.
6. Acceptable use
Please don't use the website to break the law, send false or someone else's details, send spam or harmful code, copy the website by automated means, or interfere with how it works. We may block any use that does.
7. Intellectual property
The text, design and the Khalsa First Life name and logo on this website belong to Khalsa First Life Financial Group; please don't copy them without permission. Carrier names and logos belong to their owners and are shown only to identify the carriers. Photographs are licensed stock images; the people in them are models, not our clients or agents.
8. Third-party links and sites
Links to carriers and other sites are for convenience. We don't control those sites and aren't responsible for their content or practices.
9. Disclaimer of warranties
We work to keep the website accurate and running, but it is provided as it is and as available. We don't promise that it will be free of errors or interruptions, or that every detail is current at every moment. Your policy documents, not this website, are what govern your coverage.
10. Limitation of liability
To the extent the law allows, Khalsa First Life Financial Group isn't liable for any indirect or consequential loss that comes from using, or being unable to use, this website. Nothing in these terms limits any responsibility that the law doesn't allow us to limit.
11. Indemnification
If you misuse the website or break these terms and a claim is made against us because of it, you agree to cover the reasonable costs that result, to the extent the law allows.
12. Governing law
These terms are governed by the laws of the State of Texas, without regard to its conflict of law rules, and any dispute about them belongs in the courts of Texas, unless the law of your state says otherwise.
13. Changes
We may update these terms. The new version will be posted here with a new date at the top, and it applies from that date.
14. Contact
Questions about these terms: email info@khalsafirstlife.com, or call or text (313) 702-4065.