Terms of Service

By accessing or using this website, you agree to be bound by these Terms of Service. If you do not agree, please do not use the site. This site is operated by Phil Braunstein Insurance, a licensed independent insurance agency.

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You may use the site to request quotes, learn about our services, and contact us.

Information on this website is provided for general informational purposes only and does not constitute an offer to insure, a guarantee of coverage, or a binder. Coverage is subject to eligibility, underwriting approval, and the terms of the issued policy. Not all products or discounts are available in all states. Starting prices shown are illustrative only.

By submitting a quote request, you authorize us to contact you about your inquiry. If you provide consent on the contact form, we may contact you by phone, email, and SMS — including via automated systems and prerecorded or artificial voice messages — consistent with the Telephone Consumer Protection Act (TCPA). Consent is not a condition of purchase and may be revoked at any time.

Description of SMS Program and Messaging Use Cases: When you opt in to our SMS service through our website quote request form, you may receive text messages for quote requests and policy inquiries, including quote estimates, policy updates, follow-ups on your insurance inquiry, appointment confirmations, and customer service communications regarding life insurance, final expense, mortgage protection, and annuities. If marketing consent is provided, you may also receive promotional updates, special offers, and new insurance product notifications.

SMS program details: Message frequency varies. Message and data rates may apply. You can opt out at any time by texting STOP to cancel. For help or support, text HELP or contact us directly at (561) 652-1760 or philbraunsteininsurance@gmail.com. Carrier partnerships and underwriting determine final rates and eligibility.

Carrier liability disclaimer: Mobile carriers are not liable for delayed or undelivered messages. We are not responsible for messages that are delayed, misdelivered, or not received due to carrier network issues, device limitations, or other factors outside our control.

You must be at least 18 years of age to submit a quote request or opt in to receive text messages through this website. By submitting the contact form or providing SMS consent, you confirm that you are 18 or older.

This site may link to or reference third-party websites and insurance carriers. We are not responsible for the content or practices of those sites and recommend you review their terms and privacy policies.

All content on this site — including text, graphics, logos, and design — is owned by or licensed to Phil Braunstein Insurance and may not be reproduced without written permission.

This site is provided "as is" without warranties of any kind, express or implied, including accuracy, completeness, or availability. Insurance advice provided through this site is general in nature and may not account for your full circumstances.

To the fullest extent permitted by law, Phil Braunstein Insurance shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website.

These terms are governed by the laws of the State of Florida, without regard to conflict-of-laws principles, and applicable federal laws.

We may revise these Terms from time to time. Continued use of the site after changes constitutes acceptance of the updated Terms.

Questions about these Terms? Contact us:
Phil Braunstein Insurance, Port St. Lucie, FL
philbraunsteininsurance@gmail.com · (561) 652-1760

See also our Privacy Policy and Licensing & Disclosures.