Terms and Conditions

Last Updated: November 3, 2026

1. Introduction

Welcome to Secure Paths.

These Terms and Conditions govern your use of the Secure Paths website, insurance information services, and SMS and email communications programs.

By accessing our website or using our services, you agree to these Terms and our Privacy Policy. Enrollment in SMS or marketing communications requires separate consent as described below.

2. Services Provided

Secure Paths provides information and assistance regarding insurance products and financial protection solutions, including:

Life Insurance

Final Expense Insurance

Mortgage Protection Insurance

Indexed Universal Life (IUL) Insurance

Annuities

Medicare-Related Insurance Options

Insurance products, eligibility, availability, benefits, and pricing depend on the applicable insurance provider, policy terms, underwriting requirements, and state regulations.

Information provided through this website is for general informational purposes and does not constitute a guarantee of coverage, approval, or financial results.

3. SMS Messaging Program Description

Secure Paths may send SMS messages to individuals who have expressly opted in to receive text communications.

Messages may include:

Responses to insurance inquiries.

Appointment confirmations and reminders.

Consultation follow-ups.

Insurance service information and updates.

Promotional messages and insurance offers, where separately authorized.

Message frequency varies based on your interactions with Secure Paths and your communication preferences.

4. Consent to Receive SMS Messages

By providing your mobile phone number and affirmatively opting in through an applicable form or other approved consent method, you authorize Secure Paths to send SMS messages to the number provided.

Consent to receive SMS messages is not a condition of purchasing any product or service.

You are not required to opt in to marketing messages to request information about our services.

5. SMS Opt-Out Instructions

You may cancel the SMS messaging service at any time by replying STOP to any SMS message received from Secure Paths.

After sending STOP, you may receive a confirmation message acknowledging your unsubscribe request.

Once your opt-out request has been processed, you will no longer receive SMS messages through that program unless you provide consent again.

6. Opting In Again

If you previously opted out and wish to receive SMS communications again, you may opt in using an approved enrollment method.

You may also contact Secure Paths for assistance with re-enrollment.

7. Help and Customer Support

For assistance with our SMS messaging program, reply HELP to any message.

You may also contact us directly:

Phone: (505) 803-5050
Email: [email protected]

8. Message Frequency and Rates

Message frequency varies depending on your inquiries, appointments, and the communications you have agreed to receive.

Message and data rates may apply to messages sent to or received from Secure Paths.

For questions about your wireless messaging or data plan, please contact your mobile service provider.

9. Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

Message delivery may be affected by mobile network availability, carrier restrictions, device compatibility, and other factors outside our control.

10. Email Communications

If you subscribe to marketing emails from Secure Paths, you may receive information about insurance products, services, educational resources, and business updates.

You may unsubscribe from marketing emails at any time using the unsubscribe link provided in applicable messages.

11. Website Use

By using our website, you agree to:

Provide accurate information when submitting inquiries or forms.

Use the website only for lawful purposes.

Avoid attempting to disrupt or compromise website security.

Refrain from submitting false, misleading, or fraudulent information.

Secure Paths reserves the right to restrict access to its website when necessary to protect its services and users.

12. Insurance and Financial Information Disclaimer

The information presented on this website is intended for general educational and informational purposes.

Insurance coverage is subject to policy provisions, exclusions, eligibility requirements, underwriting, and carrier approval.

Indexed universal life insurance and annuity products may include fees, restrictions, surrender charges, and other risks. Illustrations or descriptions of potential benefits are not guarantees of future performance.

Medicare-related insurance information is subject to applicable federal and state requirements.

No insurance coverage is considered effective until confirmed by the issuing insurance company.

13. Limitation of Liability

To the extent permitted by applicable law, Secure Paths is not responsible for losses resulting from website interruptions, technical errors, or reliance on general website information.

Nothing in these Terms limits rights or remedies that cannot legally be excluded.

14. Privacy Policy

Your use of our website and communications services is also governed by our Privacy Policy.

Please review our Privacy Policy for information regarding how personal information is collected, used, and protected.

Privacy Policy: [Insert Secure Paths Privacy Policy URL]

15. Changes to Terms and Conditions

Secure Paths may revise these Terms and Conditions periodically.

Updated Terms will be published on this website with a revised "Last Updated" date.

Continued use of the website after changes are published constitutes acceptance of the updated Terms to the extent permitted by law.

16. Contact Information

If you have questions regarding these Terms and Conditions, please contact:

Secure Paths
Contact Person: Mark Hall
Location: Peralta, New Mexico
Phone: (505) 803-5050
Email: [email protected]