1. Acceptance of Terms
By accessing or using this website (protectmyincome.life) or submitting any form, you agree to be bound by these Terms of Service. If you do not agree, please do not use this site or submit your information.
These Terms apply to all visitors, users, and others who access or use the site operated by Josephine Agency LLC, a licensed insurance agency affiliated with Symmetry Financial Group.
2. Services Provided
Josephine Agency LLC provides income protection planning consultations, financial protection reviews, and related educational services. We connect individuals with life insurance and living benefits products offered through licensed carriers.
Nothing on this website constitutes a binding insurance contract, guarantee of coverage, or financial advice. All products are subject to carrier underwriting approval.
3. SMS / Text Message Communications
By submitting the contact form on this website, you expressly consent to receive text messages (SMS and MMS) from Josephine Agency LLC and Ashley Baker at the phone number you provide.
Messages may include: appointment reminders, follow-up communications, information about income protection and living benefits products, and responses to your inquiries.
Message frequency may vary. Standard message and data rates may apply depending on your mobile carrier and plan.
Opt-Out Instructions
You may opt out of SMS communications at any time by replying STOP to any text message you receive from us. You will receive one confirmation message and no further texts will be sent.
You may also opt out by emailing us at ashleybakersfg@gmail.com with the subject line "SMS Opt-Out."
Help
For help or more information, reply HELP to any text message, or contact us directly at ashleybakersfg@gmail.com.
No Purchase Required
Consent to receive SMS messages is not a condition of purchasing any product or service. You may request a consultation without providing your phone number.
Supported Carriers
SMS messaging is available through all major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Carrier support may vary.
4. No Guarantee of Coverage
Submitting a form or scheduling a consultation does not guarantee insurance coverage or approval. All applications are subject to the underwriting guidelines of the applicable insurance carrier. Ashley Baker and Josephine Agency LLC act as intermediaries and do not make final coverage determinations.
5. Privacy & Data Use
Your personal information is collected solely for the purpose of providing you with a free income protection review and related follow-up. We do not sell, rent, or share your information with third-party advertisers.
For full details on how we collect, use, and protect your data, please review our Privacy Policy.
6. Intellectual Property
All content on this website — including text, branding, design, and images — is the property of Josephine Agency LLC and may not be reproduced, distributed, or used without express written permission.
7. Disclaimer of Warranties
This website and its contents are provided "as is" without warranties of any kind, either express or implied. Josephine Agency LLC does not warrant that the site will be error-free, uninterrupted, or free of viruses or other harmful components.
8. Limitation of Liability
To the fullest extent permitted by law, Josephine Agency LLC, its owners, employees, and affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this site or reliance on any content provided.
9. Contact Us
If you have questions about these Terms, please contact us:
- Business: Josephine Agency LLC
- Email: ashleybakersfg@gmail.com
- Website: protectmyincome.life
These Terms may be updated periodically. Continued use of this website after changes are posted constitutes acceptance of the revised Terms.