Terms of Service

Effective Date: April 29, 2026

These Terms of Service (“Terms”) govern your access to and use of the website operated by SD Mohn Insurance Services, Inc. (referred to as “we,” “us,” “our,” or the “Company”), including any content, features, and services offered through the site (collectively, the “Website”).

By accessing or using our Website, you agree to be bound by these Terms. If you do not agree, you must not use the Website.

1. Our Services

We are an independent insurance brokerage specializing in life insurance, disability insurance, and related strategic planning solutions. Our focus includes tax mitigation strategies, estate planning, retirement planning, succession planning, and legacy building using insurance products as financial tools.

• We facilitate introductions to insurance carriers and products.
• We provide educational information and general guidance.
• We assist with quoting, applications, and policy servicing.

 

Important Disclaimers:

• The information on this Website is for educational and informational purposes only and does not constitute legal, tax, accounting, investment, or financial advice.
• Any strategies discussed are general in nature. You should consult with qualified professionals (attorneys, CPAs, tax advisors, and financial planners) before implementing any plan.
• Insurance products involve risks, costs, and eligibility requirements. Coverage is subject to underwriting and approval by the insurance carrier.
• We do not guarantee any specific outcome, tax result, or policy approval.

 

2. User Eligibility

You must be at least 18 years of age (or the age of majority in your jurisdiction) to use this Website. By using the Website, you represent that you meet this requirement.

 

3. User Accounts and Communications

If you submit information through forms or consultations:

• You agree to provide accurate, current, and complete information.
• You are responsible for maintaining confidentiality.
• You consent to receive communications from us (email, phone, text) regarding your inquiries, quotes, policies, and service updates. 
• You may opt out of marketing communications where permitted by law.

 

4. Intellectual Property

All content on this Website, including text, graphics, logos, images, and materials, is owned by us or our licensors and protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

 

5. Prohibited Conduct

You agree not to:

• Use the Website for any unlawful purpose.
• Submit false or misleading information in applications or inquiries.
• Attempt to gain unauthorized access to any part of the Website or related systems.
• Interfere with the operation of the Website or impose an unreasonable load on our infrastructure.
• Use any automated means (bots, scrapers, etc.) to access the Website without permission.

 

6. Third-Party Links and Services

Our Website may contain links to third-party sites (insurance carriers, educational resources, etc.). We are not responsible for the content, privacy practices, or accuracy of those sites. Your interactions with third parties are governed by their own terms and policies.

 

7. Limitation of Liability

To the fullest extent permitted by law:

• We provide the Website on an “as is” and “as available” basis without warranties of any kind.
• We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Website or any insurance products obtained through us.
• Our total liability to you shall not exceed the greater of $100 or the amounts you paid us (if any) in the twelve months preceding the claim.

 

8. Indemnification

You agree to indemnify and hold us harmless from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from:

• Your use of the Website.
• Your violation of these Terms.
• Any information you submit.

 

9. Termination

We may terminate or suspend your access to the Website at any time, with or without cause, and without notice.

 

10. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by posting the revised Terms on the Website with an updated effective date. Your continued use constitutes acceptance of the changes.

 

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Nevada, without regard to conflict of laws principles. Any disputes shall be resolved exclusively in the courts located in Las Vegas, NV.

 

12. Miscellaneous

• If any provision of these Terms is held invalid, the remaining provisions remain in full force.
• Our failure to enforce any right does not constitute a waiver.
• These Terms constitute the entire agreement between you and us regarding the Website.

 

13. Contact Us

If you have any questions about these Terms, please contact us:

Email: contact@sdmohn.com 

Phone: (916) 969-7628 

Mail: SD Mohn Insurance Services, Inc.

6462 N. Losee Rd. #110

N. Las Vegas, NV 89086