Terms of Service

Last updated: April 28, 2026

These Terms of Service ("Terms") govern your use of the website at protect.wilbertwoods.com and any related services provided by Wilbert Woods, an independent licensed insurance agent with Globe Life — American Income Division ("we," "us," or "our"). By using this website or submitting our lead form, you agree to these Terms.

1. About Us

Wilbert Woods is an independent licensed insurance agent contracted with Globe Life — American Income Division. We are not employees of Globe Life, and we are not affiliated with the U.S. government, any government agency, or the AARP. We are licensed to sell insurance in the following states: California, Florida, Illinois, Michigan, Nevada, Ohio, Texas, Utah, and Virginia.

2. The Complete Family Protection Package

The "Complete Family Protection Package" referenced on this website includes four components:

• A Last Will & Testament template
• A Family Information Guide
• A $2,000 Accidental Death & Dismemberment policy issued by Globe Life
• A Child Safety Kit

The Will template, Family Information Guide, and Child Safety Kit are informational and supplemental items provided at no cost. The $2,000 Accidental Death policy is a separate, no-cost benefit issued by Globe Life upon completion of an enrollment form. Eligibility for the $2,000 policy is determined by Globe Life and may be subject to age, residency, and other requirements as set by Globe Life.

None of these items requires you to purchase additional insurance, and you are under no obligation to purchase anything to receive them.

3. Not an Offer of Insurance

This website is not a binder of insurance and does not constitute a contract for insurance coverage. Submitting our form does not guarantee the issuance of any insurance policy. All insurance policies are subject to underwriting approval, eligibility requirements, and policy terms set by Globe Life — American Income Division.

4. Use of the Website

You agree to use this website only for lawful purposes. You agree not to:

• Submit false, fraudulent, or misleading information
• Use this website to harass, abuse, or harm another person
• Attempt to interfere with or disrupt the website's functionality
• Use automated means (bots, scrapers, etc.) to access or submit information
• Impersonate another person or entity

5. Communications & Consent

By submitting our form, you consent to be contacted by Wilbert Woods via phone, SMS text message, and email, including through automated systems. Consent is not required as a condition of any purchase. You may opt out of communications at any time. See our TCPA Consent page and Privacy Policy for full details.

6. Intellectual Property

All content on this website — including text, graphics, logos, photographs, and design — is owned by Wilbert Woods or used under license. You may not copy, reproduce, distribute, or create derivative works from any content on this website without prior written permission, except that you may share our public URLs and refer others to our services.

"Globe Life" and "American Income Division" are trademarks of Globe Life Inc. or its subsidiaries, used here in accordance with our agent agreement.

7. Third-Party Links & Services

This website may reference or link to third-party websites and services (e.g., Globe Life's official website). We are not responsible for the content, privacy practices, or terms of any third-party website. Your use of third-party websites is at your own risk and subject to their respective terms.

8. Disclaimers

This website is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Information on this website is for general informational purposes only and is not intended as legal, tax, or financial advice. The Last Will & Testament template provided is a generic form and may not be appropriate for all situations or jurisdictions; consult a licensed attorney for legal advice specific to your circumstances.

9. Limitation of Liability

To the fullest extent permitted by law, in no event shall Wilbert Woods be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website. Our total cumulative liability arising out of these Terms shall not exceed $100 USD.

This limitation does not apply to liability that cannot be limited under applicable law (e.g., gross negligence, willful misconduct, or fraud).

10. Indemnification

You agree to defend, indemnify, and hold harmless Wilbert Woods from any claims, liabilities, damages, losses, or expenses arising from your violation of these Terms or your misuse of this website.

11. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State where Wilbert Woods is principally located, without regard to conflict-of-law principles. Any dispute arising out of these Terms shall be resolved through good-faith negotiation first, and if unresolved, through binding arbitration in accordance with the rules of the American Arbitration Association. Disputes involving insurance policies issued by Globe Life are subject to Globe Life's own dispute resolution procedures and applicable state insurance regulations.

12. Changes to These Terms

We may update these Terms periodically. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the website after changes constitutes acceptance of the updated Terms.

13. Severability

If any provision of these Terms is held unenforceable, the remaining provisions shall remain in full force and effect.

14. Contact

For questions about these Terms, contact us: