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Important California Life Insurance Consultation Disclosure
Scheduling an Appointment – No Obligation, No Coverage Bound This page allows you to schedule a no-obligation consultation with [Your Full Name], Licensed California Life Insurance Agent – License # 4443908

  • Scheduling, submitting information, or participating in a consultation does not constitute an application for insurance, a quote, an offer to sell coverage, or the binding of any life insurance policy.
  • No insurance contract, coverage, or guarantee is created or implied by booking this appointment or our discussion. Coverage binds only after: full application submission, complete underwriting review by the issuing insurer (which may include medical history, exams, lab tests, records, and other verifications), policy issuance, delivery, and payment of the required premium.
  • All information, illustrations, general discussions, or examples provided are educational and illustrative only — not personalized insurance, financial, tax, legal, or investment advice.
  • No agent-client, advisor, or fiduciary relationship is formed until a formal application is completed, underwriting approved, policy issued/delivered, and premium paid.
  • Final eligibility, premiums, death benefits, riders, exclusions, limitations, waiting periods, graded benefit provisions (common in no-exam or guaranteed-issue policies), suicide exclusions (typically 2 years), contestability periods (typically 2 years), and all other policy terms depend entirely on the issuing insurance company's underwriting decision and your individual circumstances (age, health, lifestyle, etc.). Not all applicants qualify for coverage, preferred rates, or any specific product. Rates/terms illustrated or discussed are estimates only and subject to change.
  • Products, features, availability, and approvals vary by insurer and California state regulations. Some policies (e.g., simplified-issue, guaranteed-issue, or no-medical-exam) may have lower face amounts, higher premiums, graded death benefits during initial periods, or specific restrictions — refer to the actual policy contract and any issued illustrations for complete, accurate details.
  • This page and any tools/forms provide general information only. It does not omit material facts intentionally but cannot address every individual's situation. No advertisement or statement here misrepresents benefits, premiums, or policy provisions.
  • Always review the full policy contract, any Buyer's Guide provided, and consult your own licensed professionals (tax advisor, attorney, financial planner) before purchasing life insurance.

Not FDIC insured • Not a bank deposit • Not insured by any federal government agency • May lose value For license verification, complaints, or consumer assistance: Contact the California Department of Insurance at 1-800-927-4357 or visit www.insurance.ca.gov.I am licensed to discuss and transact life insurance in California (and other states as applicable). Ready to explore your options? Book a no-obligation consultation below. 

 

 

Licensed California Life Insurance Agent – Matthew Raven  License #4443908
General educational information only – not an offer, solicitation to buy, or personalized advice. All coverage subject to insurer underwriting approval, policy terms/exclusions/limitations, and California availability. Review actual policy contract for details. © Raven Shield Insurance 2026. Not FDIC insured • May lose value. CDI: 1-800-927-4357 | www.insurance.ca.gov.