Licensing and disclosures
What this site is
This website advertises the services of a life insurance agent. Miles Lopes is a licensed life insurance agent and is paid a commission by the insurance company if you buy a policy through him.
Who is responsible for it
Miles Lopes, licensed life insurance agent. NPN 22160796. Austin, Texas. Licensed in Texas; his state licence number is available on request.
Where Miles is licensed
Miles Lopes is licensed to sell life insurance in the State of Texas only. This website is intended for residents of Texas. Nothing on this site is an offer to sell, or a solicitation of an offer to buy, insurance in any state other than Texas.
What he sells, and what he does not
What Miles offers: whole life insurance, indexed universal life insurance, and small whole life policies commonly marketed as “final expense.” What he does not offer: term life insurance. For a lot of people, level term is the cheapest way to cover a mortgage and young kids, and it is often the right answer. If that is your answer, Miles will tell you and point you to someone who can write it. He is not paid for that referral.
What he is not
Miles Lopes is a licensed insurance agent. He is not a financial advisor, investment adviser, broker-dealer, tax advisor, accountant, or attorney, and nothing on this site is investment, tax, or legal advice. He is compensated by commission paid by the insurance company when a policy is issued. He is not paid a fee by you.
What happens when you message him
Messaging Miles starts a conversation with a life insurance agent. If a policy fits, he will offer you one. If one does not, he will say so. He is paid by the insurance company only if you buy.
If something goes wrong
Questions or complaints about an insurance agent or an insurance company in Texas: Texas Department of Insurance, 1-800-252-3439, tdi.texas.gov.