Legal Disclosures

General Disclaimer

The information provided on this website is for general informational purposes only and should not be construed as legal, tax, or financial advice. Insurance coverage is subject to the terms, conditions, limitations, and exclusions of the issued policy. Policies may not be available in all states.

Licensing & Availability

Oak & Ivy Insurance Agency LLC is a licensed insurance provider in the following states: Texas, Louisiana, Illinois. Insurance products and services are not available in all jurisdictions and are subject to regulatory requirements.

Privacy & Data Collection

We respect your privacy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information in compliance with applicable laws, including the Gramm-Leach-Bliley Act (GLBA) and, where applicable, the Health Insurance Portability and Accountability Act (HIPAA).

Fraud Notice

Any person who knowingly and with intent to defraud an insurer provides false or misleading information on an application for insurance may be guilty of insurance fraud, which is a crime punishable by fines, imprisonment, or denial of insurance benefits.

Property & Casualty (P&C) Insurance Disclosures

Coverage & Policy Information

Descriptions of insurance coverage on this website are for informational purposes only and do not replace actual policy language. Policy terms, conditions, exclusions, and availability vary by state.

Quote Estimates

Insurance quotes provided on this site are estimates only and do not constitute a binding contract. Final rates are subject to underwriting review and approval.

Third-Party Links

This website may contain links to third-party websites for additional resources. Oak & Ivy Insurance Agency LLC is not responsible for the content, privacy practices, or accuracy of information on external sites.

Life & Health Insurance Disclosures

No Guarantee of Coverage

Submitting an application does not guarantee coverage. All applications are subject to underwriting guidelines and approval. Some policies may require medical exams.

Variable & Indexed Products

Variable life insurance and annuity products are offered through registered representatives and are subject to investment risks, including the potential loss of principal. These products are regulated by the SEC and FINRA.

Medicare & ACA Compliance

We are not connected with or endorsed by the U.S. government or the federal Medicare program. If you are looking for official Medicare information, visit www.medicare.gov.

Agent Compensation

Insurance agents may be compensated through commissions or fees for policies sold. Compensation may vary based on policy type, premium amount, and carrier agreements.

Terms & Conditions

By using this website, you agree to our Terms of Service , which govern your access to and use of the content and services offered herein.