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Clear information about this site’s scope.

Site content is educational and general. It does not replace a policy contract, illustration, required disclosure, or legal, tax, or investment advice.

  1. Educational use

    LinaresLife.com provides general educational information about life insurance. It is not an offer, contract, individual recommendation, or legal, tax, or investment advice.

  2. License and jurisdiction

    Michael Linares is a Licensed Life Insurance Agent in Texas. Texas license 3553879; NPN 22354824. The site does not claim authorization in any other state.

  3. Application and availability

    A consultation does not require you to apply for a policy. Issuance and availability are subject to application, underwriting, eligibility, insurer approval, policy form, and jurisdiction.

  4. Controlling documents

    The policy contract, riders, illustration, and issued disclosures control if they differ from general information on this site.

  5. Brand and ownership

    Linares Life is the public-facing brand used by Michael Linares. It is not presented as an LLC or as owned by, a subsidiary of, or the exclusive representative of an insurer. Except for third-party materials used with permission, site content belongs to Michael Linares.

  6. Contact

    For questions about the site, email Michael.Linares@LinaresLife.com. Last reviewed: September 26, 2026.