Effective date: October 16, 2026
These Terms of Service govern your use of jorgecardonainsurance.com and the services of Jorge Cardona Insurance & Annuities. By using our website, submitting a form, or opting in to our messages, you agree to these Terms and our Privacy Policy.
1. About Our Services
Jorge Cardona is a licensed insurance agent in the State of Florida. We help you compare and apply for life insurance and annuity products offered by third-party insurance carriers.
• No coverage until issued. A quote, illustration, or submitted application is not a policy. Coverage begins only when a carrier approves your application, issues the policy, and the first premium is paid.
• Carrier decisions. Underwriting, pricing, and claims decisions are made by the insurance carrier, not by us.
• Illustrations. IUL, annuity, and other illustrations are hypothetical, are not guaranteed, and depend on the carrier's terms, caps, and index performance.
• Not tax or legal advice. We do not provide tax, legal, or investment advice. Consult a qualified professional for those matters.
• Accurate information. You agree to give complete and truthful information. Misstatements on an application can result in a denied claim or rescinded policy.
2. SMS Messaging Terms
Program name: Jorge Cardona Insurance Notifications.
By checking the SMS consent box on our forms or texting us first, you agree to receive text messages from Jorge Cardona Insurance & Annuities at the number you provided. Messages include appointment reminders, quote and application follow-ups, policy service updates, and, if you opt in, occasional informational offers.
• Consent is not a condition of purchase. You do not have to agree to texts to buy any product or service.
• Message frequency varies, typically up to 4 messages per week.
• Message and data rates may apply.
• To opt out, reply STOP to any message. You will receive one confirmation and no further texts unless you opt in again.
• For help, reply HELP, call (407) 550-5756, or email [email protected].
• Carriers are not liable for delayed or undelivered messages.
Your mobile number and SMS consent are never shared with third parties for their marketing. See our Privacy Policy for details.
3. Using Our Website
• Informational content. Articles, videos, and calculators on our site are general education, not a recommendation for your situation. Product availability and features vary by state and carrier.
• Our content. Text, logos, images, and videos on this site belong to us or our licensors. You may not copy or reuse them for commercial purposes without written permission.
• Acceptable use. Do not misuse the site, submit false information, attempt unauthorized access, or interfere with its operation.
• Third-party links. Our site may link to carrier websites, scheduling tools, or other services. We are not responsible for their content or privacy practices.
• Appointments. Please give at least 24 hours' notice to cancel or reschedule a booked consultation.
4. Disclaimers, Liability, and Governing Law
Disclaimer. The website and its content are provided "as is" without warranties of any kind. We do not guarantee that any quote, rate, or product will be available to you.
Limitation of liability. To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential damages arising from your use of the website. This does not limit any duty we owe you as a licensed agent under Florida law.
Governing law. These Terms are governed by the laws of the State of Florida. Any dispute will be handled in the state or federal courts located in Polk County, Florida.
Changes. We may update these Terms and will post the new version here with a new effective date. Continued use of the site means you accept the updated Terms.
5. Contact Us
Jorge Cardona Insurance & Annuities
205 Siesta Vista Ct, Davenport, FL 33896
Phone: (407) 550-5756
Email: [email protected]