​Visitors to this website are bound by the terms below, by continue usage you are accepting the terms and agree to be bound by the agreement.

The website is for general informational purposes only and is subject to change without notice. The information you obtain in this site is not, nor is it intended to be professional advice. You should consult with and rely on your own independent legal, financial and tax advisors regarding your particular set of facts and circumstances. The products and services may not be available in all states. The website owner is not responsible for typographical errors and no warranty is provided regarding accuracy of information as product informations, company guidelines, rate and rules may change frequently.  You may access the website at your own risk. The website owner nor any of its affiliates shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary damages arising in any way from the information contained in this website or any information transmitted via this website. As a visitor to the site you agree not to use of any manual or automated software, devices, or other processes to "scrape", “crawl” or “spider” any web pages contained in the Site which is strictly prohibited.

Disclaimer: The information contained in this website are for illustrative and educational purposes only. Policy coverage under any insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state's approval and coverage may vary by state. Product terms, conditions, and exclusions not described in this web site may apply. All quotes and rates are for illustration purposes only. Actual premiums and coverage will be based on age, gender, health history, certain underwriting criteria, state of residence, medical exam and tobacco usage. All guarantees are based on the claims-paying ability of the insurer. While we use reasonable efforts to include accurate and up-to-date information, we make no warranties or representations regarding insurance policy features as insurance companies may change their product, rider features, state availability, coverage conditions, etc at any time with or without notice. Please ask about your state availability, issue conditions and exclusions of a particular insurance product before any insurance policy is purchased. 

 

Privacy Policy: This privacy policy discloses the privacy practices for www.lifesavings.biz 
 
Information Collection, Use, and Sharing 
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone. We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to ship an order. Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.


Your Access to and Control Over Information 
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:See what data we have about you, if any. Change/correct any data we have about you. Have us delete any data we have about you. Express any concern you have about our use of your data.

 

DO NOT SUBMIT CONFIDENTIAL OR PROPRIETARY INFORMATION
Please do not send any information to us that constitutes a trade secret or is confidential or proprietary. We cannot agree to obligations of confidentiality or non-disclosure with regard to unsolicited information submitted to it. By submitting information or materials to us, you and anyone acting on your behalf, agree that any such information or materials will not be considered confidential or proprietary. We shall be under no obligation to return any information or materials to you. In no event shall we be limited or restricted from pursuing any investment opportunities with others.
 

Security 
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

Updates
Our Privacy Policy may change from time to time and all updates will be posted on this page. If you feel that we are not abiding by this privacy policy, you should contact us immediately via email oxygenkreative@gmail.com

​RIJU R. SAM    Life Insurance & Retirement Plans  Licensed Agent   CA Lic: 0G49979  

Tel: 818-275-1019  Email: rijursam@outlook.com

Disclaimer: The information contained in this website are for illustrative and educational purposes only. Policy coverage under any insurance policy is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state's approval and coverage may vary by state. Product terms, conditions, and exclusions not described in this web site may apply. All quotes and rates are for illustration purposes only. Actual premiums and coverage will be based on age, gender, health history, certain underwriting criteria, state of residence, medical exam and tobacco usage. All guarantees are based on the claims-paying ability of the insurer. While we use reasonable efforts to include accurate and up-to-date information, we make no warranties or representations regarding insurance policy features as insurance companies may change their product, rider features, state availability, coverage conditions, etc at any time with or without notice. Please ask about your state availability, issue conditions and exclusions of a particular insurance product before any insurance policy is purchased.