Terms of Use

These terms cover your use of joramcastle.com. Using the site means you accept them.

Who we are

Joram Castle Group is an independent life insurance agency. Independent means we are not owned by one insurance company; we represent several and help you compare them.

What this site is, and is not

Everything here is general information to help you understand your options. It is not advice about your particular situation, it is not an offer of insurance, and nothing here creates coverage. Coverage exists only once an insurance company has approved an application and issued a policy, in writing. Prices, products and availability change, and they vary by your age, your health and where you live.

Quotes

A quote is an estimate based on what you tell us. It is not a promise of price or of acceptance. The insurance company decides both, and final expense policies in particular can have waiting periods or graded benefits that affect what is paid and when.

Using the forms

Please give us accurate details and only submit information that is yours to submit. Do not use the forms to send anything unlawful, and do not try to interfere with the site or reach parts of it that are not public.

Links to other sites

We link to insurance companies and to public resources. We do not control those sites and are not responsible for what they say or do.

Our content

The text, images and design on this site belong to us or are used with permission. Please do not copy them for commercial use without asking first.

Limits

We keep this site accurate and available as best we can, but we cannot promise it is error-free or never down. To the extent the law allows, we are not liable for losses arising from using the site. Nothing here limits any liability that cannot legally be limited.

Licensing

We are licensed to sell insurance in the states shown on this site, and we only discuss products we are licensed and appointed to offer in your state.

Changes

We may update these terms, and the date below will change when we do.

Contact

Joram Castle Group. Call (917) 943-2870 or email [email protected].

Last updated: September 24, 2026