Terms of Use
Last updated: September 27, 2026 · Applies to paolavaldez.com and its subdomains
Educational content, not an offer
The content of this site (including the chat assistant) is educational and general. It is not an offer, an approval, a quote, or legal, tax or investment advice. Every insurance product is subject to the insurer's review and to the terms of the policy it issues.
Regulatory identification
Insurance is offered by Paola Sharleen Valdez as a Maryland-licensed insurance producer, NPN #18429595. You may choose your insurer and your insurance producer.
Life insurance and IUL
This page provides general education, not a recommendation. IUL is life insurance, not an investment; charges, caps, loans or withdrawals and performance can reduce value and coverage or cause lapse and tax consequences. Only a current official illustration and the issued policy describe guaranteed and non-guaranteed values. Replacements, suitability and tax decisions require individual review and carrier documents; consult your legal and tax advisers.
Use of the site
You agree to provide truthful information in the forms and not to use the site unlawfully or in a way that interferes with its operation.
Limitation of liability
The site is provided "as is". We do not guarantee uninterrupted availability or that general content applies to your particular situation; for your specific case, contact us.
AI assistants
An AI assistant may handle chat, text messages or phone calls and identifies itself as such. It can make mistakes and provides only general education. It does not create consent or make insurance or suitability decisions. You may request a person. On the phone, continuing to participate after the recording and monitoring notice expresses your consent. You may ask to stop recording and contact us through the form.
Text-message terms
The text-message program is for follow-up to life-insurance inquiries from Paola Sharleen Valdez. Messages include replies, appointment reminders and, when applicable, secure links. Frequency varies; message and data rates may apply. Text opt-in is optional and not a condition of purchase. Reply STOP or make a reasonable cancellation request to opt out, HELP/AYUDA for help and START to reactivate. Carriers do not guarantee delivery and are not responsible for delay or nondelivery. We do not share opt-in information or mobile numbers with third parties for their marketing.
Privacy
The handling of your information is described in the Privacy Policy.