Terms of Service

1. Acceptance of Terms

By accessing and using this website, you accept these Terms of Service in full. If you do not agree with any part of these terms, please do not use the site.

2. Nature of the Service

Ramirez Organization is an insurance agency operating as Globe Life: American Income Division - Ramirez Organization. Through this site we provide information about life, health, and accident insurance products, as well as career opportunities.

The information presented is general and informational in nature and does not constitute a binding offer of coverage or an insurance contract. All coverage is subject to insurer approval, the terms of the applicable policy, and applicable state laws and regulations.

3. Communications

By providing your contact information, you agree that we may communicate with you by phone call, text message (SMS), WhatsApp, and email, including through automated systems and artificial-intelligence-based assistants, in accordance with the consent you provide.

You may opt out at any time by any reasonable means (for example, replying STOP, CANCELAR, or BAJA), or reply HELP for assistance. We will honor your request as soon as possible and no later than within 10 business days.

For more details, see our TCPA Consent and our Privacy Policy.

4. Electronic Signature (E-Sign Act)

By accepting these terms and checking the consent boxes on our forms, you acknowledge and agree to the use of electronic signatures and electronic records under the federal Electronic Signatures in Global and National Commerce Act (E-Sign Act). Your electronic consent has the same legal validity as a handwritten signature.

You may request a paper copy of any record or withdraw your consent to receive electronic records by contacting us using the information listed below.

5. Product Availability

Not all products are available in all states. Availability, coverage, benefits, and premiums vary by state, insurer, and individual eligibility. The information on this site does not guarantee the availability of a specific product in your area.

6. Intellectual Property

All content on this site —including text, logos, graphics, images, and trademarks— is the property of Ramirez Organization or its licensors (including Globe Life and American Income Life) and is protected by applicable intellectual property laws. You may not reproduce, distribute, or use such content without prior written authorization.

7. Changes to These Terms

We may update these Terms of Service periodically. Any changes will be posted on this page with an updated effective date. Continued use of the site after such changes constitutes your acceptance of the revised terms.

8. Contact

If you have any questions regarding these Terms of Service, please contact us:

• Email: office@ramirezorganization.com
• Phone: +1 (470) 774-6663
• Address: 3477 Lawrenceville Suwanee Rd, Suite C, Suwanee, GA 30024, United States