Last updated: June 23, 2026
These Terms and Conditions govern your use of the Skirvin & Associates website. By using this website or submitting information through a website form, you agree to these Terms and Conditions.
If you do not agree with these Terms and Conditions, do not use this website or submit information through this website.
About Skirvin & Associates
Skirvin & Associates provides information related to senior insurance and retirement strategy options, including final expense coverage, life insurance, annuities, and related senior-market services. Skirvin & Associates may also provide information about agent career opportunities.
Information on this website is provided for general educational and informational purposes only.
No Guarantee of Coverage, Approval, or Results
Submitting a form, requesting information, or speaking with a representative does not guarantee insurance coverage, policy approval, agent appointment, employment, compensation, lead access, territory availability, or acceptance into any program.
Coverage availability, benefits, guarantees, and eligibility may vary by state, age, health, product type, carrier requirements, underwriting rules, and other factors.
No Legal, Tax, Financial, or Medical Advice
The content on this website is not legal, tax, financial, investment, or medical advice. Visitors should consult qualified professionals for advice specific to their individual situation.
Insurance and retirement strategy decisions should be reviewed carefully with a licensed representative and, when appropriate, with legal, tax, or financial professionals.
Use of Website Forms
This website may include forms for customer inquiries, career inquiries, and general contact purposes. By submitting a form, you agree to provide accurate information and understand that Skirvin & Associates may use the information to respond to your request.
Visitors should not submit Social Security numbers, birth dates, financial account information, medical information, or other sensitive personal details through website forms.
Consent to Contact
By submitting a form with consent, you authorize Skirvin & Associates to contact you by phone, email, and text message regarding your inquiry, including insurance information, senior retirement strategy information, career opportunities, licensing information, recruiting information, and related products or services.
Message and data rates may apply. You may opt out of text messages at any time by following opt-out instructions provided in the message or by contacting Skirvin & Associates directly.
Career Opportunity Information
Career-related information on this website is provided for general recruiting purposes. Agent opportunities may be independent contractor opportunities and may require state insurance licensing, background checks, carrier appointment, training, and compliance with applicable laws and carrier requirements.
Any income examples, targets, or earning ranges are not guarantees. Actual income may vary based on licensing, activity, market, skill, lead use, carrier rules, and individual performance.
Intellectual Property
Website content, branding, page text, images, graphics, design elements, and related materials are owned by or licensed to Skirvin & Associates unless otherwise stated. Visitors may not copy, reproduce, distribute, modify, or use website content for commercial purposes without written permission.
Third-Party Links and Tools
This website may include links to third-party websites, tools, resources, social media platforms, carrier information, or service providers. Skirvin & Associates is not responsible for third-party websites, their content, their security, or their privacy practices.
Website Availability
Skirvin & Associates does not guarantee that this website will be available at all times or free from errors, interruptions, security issues, or technical problems. Website access may be interrupted due to hosting, maintenance, third-party tools, internet issues, or other conditions outside of our control.
Limitation of Liability
To the fullest extent permitted by law, Skirvin & Associates is not responsible for damages arising from use of this website, reliance on website information, inability to access the website, third-party links, technical issues, or unauthorized access to information despite reasonable safeguards.
Privacy
Use of this website is also governed by our Privacy Policy. Visitors should review the Privacy Policy to understand how information may be collected, used, stored, and protected.
SMS Terms
If you consent to receive text messages, your use of SMS communications is also governed by our SMS Terms.
Changes to These Terms
Skirvin & Associates may update these Terms and Conditions from time to time. Updates will be posted on this page with a revised “Last updated” date.
Contact Information
For questions about these Terms and Conditions, contact:
Skirvin & Associates
259 W. Main Street
Hanover, Indiana 47243
Office: 812-866-6020
Toll Free: 1-888-400-9399
Email: jkiper@skirvinandassociates.com