Terms & Conditions
Effective Date: June 18th, 2025
Welcome to InsuranceSafetyNets.com (“Site”). These Terms & Conditions govern your use of the Site and any services provided by Insurance Safety Nets. By accessing or using the Site, you agree to comply with and be bound by these terms. If you do not agree with any part of these Terms, please do not use this Site.
1. Use of This Site
This Site is intended for individuals residing in Arizona and California who are interested in learning about and potentially obtaining insurance or financial products such as Medicare-related plans, annuities, and life insurance. You agree to use the Site only for lawful purposes and not for any fraudulent or harmful activity.
2. No Guarantee of Coverage or Approval
Submitting information through this Site does not guarantee coverage, approval, or enrollment in any insurance or financial product. All services are subject to eligibility, underwriting, and approval by the applicable carrier or financial institution.
3. Not Affiliated with the Government
Insurance Safety Nets™ and Richard Lockie are independent and not affiliated with the U.S. government or any federal Medicare program. We offer plans from multiple insurance providers and guide clients to options that may suit their needs.
Medicare Beneficiaries Note: We do not offer every plan available in your area. Currently, we represent 27 organizations which offer 64 products in your area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program (SHIP) to learn about all your options.
4. Intellectual Property
All content, design, logos, graphics, and text on this Site are the property of Insurance Safety Nets™ or licensed to it. You may not reproduce, distribute, or use any content from the Site without prior written permission.
5. Disclaimer of Warranties
The content and services on this Site are provided “as is” and without warranties of any kind. While we strive to ensure accuracy, we do not guarantee that the information provided is current, complete, or error-free. Insurance information is subject to change, and we encourage users to verify details directly with licensed representatives.
6. Limitation of Liability
Insurance Safety Nets™ and its representatives shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of or inability to use the Site or services provided. This includes but is not limited to damages related to decisions made based on information found on the Site.
7. Privacy
Your use of this Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
8. External Links
The Site may contain links to external websites. These links are provided for convenience only. We do not endorse or guarantee the content or services of any third-party websites and are not responsible for their privacy practices.
9. Changes to These Terms
We reserve the right to modify these Terms & Conditions at any time. Updates will be posted on this page with a new effective date. Continued use of the Site after changes constitutes acceptance of the revised terms.
10. Contact Information
If you have any questions regarding these Terms & Conditions, please contact:
Richard Lockie
Email: Richard@InsuranceSafetyNets.com
Phone: 877-456-7660 or 480-442-4141
Our Purpose
Our goal is to deliver the most optimal federal employee retirement planning solutions to retirees and near-retirement clients. We strive to establish customized financial strategies for our clients to assist them in achieving their financial objectives after retirement. We assist clients in developing smart retirement plans to protect themselves from potential financial risks.
Our Goal
We’re making it easier for federal employees to get better benefits and retirement income from the government. We have a committed team of federal retirement experts working to make this goal a reality. Talk to us about your goals, and we’ll develop a solid financial strategy for you.
