Terms of Use

Effective Date: June 2026 | Last Updated: June 2026

By accessing or using coveragebyadam.com, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.

Informational Purpose Only

This website is for informational purposes only. Nothing on this website constitutes an offer, solicitation, or binding agreement for insurance coverage. All insurance products are subject to underwriting approval, carrier terms, and applicable state regulations.

No Guarantee of Coverage or Rates

Any premium estimates, coverage descriptions, or product information presented on this website are approximate and for illustrative purposes only. Actual rates, coverage terms, and availability depend on:

• Your age, health, and medical history
• Your state of residence
• The specific insurance carrier and product selected
• Underwriting review and approval

Licensed Agent

Adam Morales is a licensed independent life insurance agent (NPN: 16697558) contracted with multiple insurance carriers. He is not an employee of any insurance carrier. Carrier appointments vary by state.

Licensure information can be verified through the National Insurance Producer Registry (NIPR) at nipr.com.

Independent Agent Disclosure

Coverage By Adam is an independent insurance agency. We are not affiliated with, endorsed by, or acting on behalf of any single insurance carrier. Carrier logos and names displayed on this website are the property of their respective owners and are used for identification purposes only.

Telephone Communications

By submitting a contact form on this website, you acknowledge and agree to the telephone communication terms described in our Privacy Policy, including consent to receive calls and/or text messages from Coverage By Adam regarding your insurance inquiry. You may opt out at any time by replying STOP to any text message or by calling (832) 769-3531. Consent is not a condition of purchase.

No Professional Advice

Content on this website does not constitute legal, financial, tax, or investment advice. Always consult with a qualified professional for advice specific to your situation before making insurance or financial decisions.

Intellectual Property

All content on this website — including text, design, graphics, and code — is the property of Coverage By Adam. Unauthorized reproduction, distribution, or use of any content is prohibited without prior written permission.

Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, privacy practices, or accuracy of any third-party sites. Links do not imply endorsement.

Limitation of Liability

Coverage By Adam and Adam Morales shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or reliance on any information contained herein.

Governing Law

These Terms of Use are governed by the laws of the State of Texas. Any disputes shall be resolved in the appropriate courts of Texas.

Changes to These Terms

We reserve the right to update these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Continued use of this website constitutes acceptance of the updated terms.