Terms of Use

1. Services - Capins Insurance DBA Joe Don Punzalan provides life insurance products and related services through licensed agents and partners. Products may not be available in all states and are subject to state regulations.

2. Eligibility - You must be at least 18 years old and legally able to enter into contracts to use our services.

3. No Professional Advice - All content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional before making decisions.

4. Insurance Applications -

All applications are subject to:

  • Underwriting approval

  • Verification of provided information

  • State-specific insurance laws

Submission of an application does not guarantee coverage.

5. Licensing Disclosure - Capins Insurance operates in compliance with applicable U.S. state insurance laws. Agents are licensed in the states where they conduct business.

6. User Responsibilities -

You agree not to:

  • Provide false or misleading information

  • Use the site for unlawful purposes

  • Attempt to interfere with website security

7. Payments - Premiums must be paid according to your policy terms. Failure to pay may result in cancellation or lapse of coverage.

8. Intellectual Property - All website content, logos, and materials are owned by Capins Insurance and protected under U.S. intellectual property laws.

9. Disclaimer of Warranties - The website is provided “as is” without warranties of any kind, either express or implied.

10. Limitation of Liability -

To the fullest extent permitted by law, Capins Insurance is not liable for:

  • Indirect or consequential damages

  • Losses resulting from reliance on website content

  • Interruptions or errors in service

11. Governing Law - These Terms are governed by the laws of the State of [Insert State], without regard to conflict of law principles.

12. Changes to terms - We may update these Terms at any time. Continued use means acceptance of the revised Terms.

13. Opt-Out & Support Mechanisms - You can cancel the SMS service at any time. Just text "STOP" to the 877-883-1807. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected] or 877-883-1807.

14. Carrier Liability Clause - Carriers are not liable for delayed or undelivered messages.

15. Message Frequency Clause - As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to 3 messages per week. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

16. Privacy Policy Link - If you have any questions regarding privacy, please read our privacy policy: Link

Call 877-883-1807

Address: 5682 Roundrock Drive, Las Vegas, NV 89142

Site: www.capins.biz/lifeinsurance


Copyright 2026. All Rights Reserved.

Terms & Conditions - Use of this site means you accept that all information is for general purposes only, not guaranteed, and subject to change. Capins Insurance is not liable for any use of this site.

Privacy Policy - We collect basic information to provide services and do not sell your data. By using this site, you consent to our data practices.