Last updated: May 21, 2026
This website is a lead generation service. It is NOT an insurance company and does NOT sell, issue, or guarantee any insurance policy. Submitting this form does not bind you to any coverage.
These Terms of Service ("Terms") govern your use of the website and quote request form operated by Sarah Spagnoli, Independent Insurance Broker ("Company," "we," "us," or "our"). By using this Site or submitting the form, you agree to these Terms. If you do not agree, do not use this Site.
This Site is a lead generation service. We collect your information and share it with licensed insurance carriers and brokers who may offer life insurance products that match your stated needs. We are not an insurance company. We do not underwrite, issue, or guarantee any insurance policy. Any coverage you receive will be issued by a separate, licensed insurance carrier.
All insurance-related communications following your submission will be made by or on behalf of licensed insurance agents or brokers. Sarah Spagnoli holds National Producer Number (NPN) 21717302. Licensing information for individual agents will be provided upon request or at the time of contact.
You agree to provide truthful, accurate, and complete information. Providing false or misleading information may result in denial of coverage, policy rescission, or other consequences under applicable insurance law. We are not responsible for inaccurate quotes or declined applications resulting from information you provide.
Submitting this form does not guarantee that you will qualify for any insurance product, at any particular rate, or with any particular carrier. All rates and eligibility determinations are made by the insurance carrier based on their underwriting guidelines. Claims such as "rates never increase" refer to specific product types (e.g., whole life) and are subject to carrier terms — they are not a guarantee applicable to all products.
By submitting this form and checking the consent boxes, you agree to be contacted by licensed insurance agents and brokers via phone, autodialed or pre-recorded calls, text message, and/or email at the contact information you provided. See our Privacy Policy and the TCPA consent language on the form for full details. This consent is not a condition of purchase.
Nothing on this Site constitutes legal, financial, tax, or insurance advice. You should consult a licensed insurance professional before making any coverage decisions.
All content on this Site, including text, graphics, and design, is owned by or licensed to Sarah Spagnoli, Independent Insurance Broker and may not be reproduced without written permission.
This Site and its content are provided "as is" without warranties of any kind, express or implied. We do not warrant that the Site will be error-free, uninterrupted, or free of viruses or other harmful components.
To the fullest extent permitted by law, Sarah Spagnoli, Independent Insurance Broker shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of this Site or the submission of your information, even if advised of the possibility of such damages.
You agree to indemnify and hold harmless Sarah Spagnoli, Independent Insurance Broker and its officers, employees, and agents from any claims, damages, or expenses (including attorney's fees) arising from your use of the Site, your submission of inaccurate information, or your violation of these Terms.
These Terms are governed by the laws of the State of California, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of California.
We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Site after changes constitutes your acceptance.
Questions about these Terms? Contact us at:
Sarah Spagnoli, Independent Insurance Broker
NPN: 21717302
4376 W Point Loma Blvd, Apt A
San Diego, CA 92107
Sspagnoli.insurance@gmail.com
(916) 342-9811