Terms of Service
Effective Date: July 1st, 2025
Blanca Peak Technologies, LLC
www.kgerards.com
1. Agreement to Terms
These Terms of Service ("Terms") constitute a binding agreement between you ("you",”your", "Client") and Blanca Peak Technologies, LLC ("Blanca Peak", "we", "us","our", or “kelly gerards”), a licensed life insurance broker and underwriter. By using our website, applying for life insurance, or interacting with our services in any way, you agree to be bound by these Terms and our Privacy Policy.
If you do not agree to these Terms, do not use our Services.
2. About Blanca Peak Technologies, LLC
Blanca Peak Technologies, LLC operates as both an independent life insurance broker and
licensed underwriting entity. We assist individuals and organizations in evaluating, applying
for, and obtaining life insurance coverage from various third-party carriers. We may also
underwrite certain policies directly.
Licensing information, state appointments, and carrier relationships are available upon
request or as required by state insurance regulations.
3. Eligibility
You must be at least 18 years of age (or the age of majority in your state) and legally capable
of entering into a binding insurance agreement. You agree to provide truthful, complete,
and accurate information throughout your use of our Services.
4. Our Services
Blanca Peak Technologies, LLC offers the following services:
Life insurance quotes and comparisons
Application and enrollment assistance
Policy underwriting and risk assessment
Customer service and policy management support
Brokerage services with multiple life insurance carriers
Blanca Peak may act as either the broker placing the policy with a third-party insurer, or as
the underwriter of the policy, depending on the product and jurisdiction.
5. No Guarantee of Coverage
Quotes, recommendations, or application submissions do not guarantee approval for life
insurance coverage. Final underwriting decisions rest with the issuing insurer, which may
include Blanca Peak or a third-party carrier.
Premium rates, policy benefits, and terms are subject to change based on underwriting
results, state laws, and insurer guidelines.
6. Accuracy of Information
You are responsible for the accuracy of all information submitted during the insurance
application and underwriting process. Any false, misleading, or omitted information may
result in denial of coverage or cancellation of an existing policy.
7. Compensation Disclosure
As an insurance broker, Blanca Peak Technologies, LLC may receive commissions or other
compensation from insurance companies when you purchase a policy through us.
Compensation may vary by product, insurer, and jurisdiction. We do not charge fees to
individual applicants unless otherwise disclosed in writing.
8. Use of Technology and Electronic Signatures
By using our Services, you consent to the use of electronic communications, disclosures,
and digital signatures, in accordance with applicable laws (e.g., the U.S. E-SIGN Act).
9. Privacy and Data Handling
Your personal and medical information will be handled in accordance with our Privacy
Policy and applicable data protection laws, including HIPAA and state-specific privacy
requirements.
By using our Services, you authorize us to share your data with insurance carriers, medical
data providers (e.g., MIB, prescription databases), reinsurers, and regulatory entities as
necessary for underwriting, issuing, and servicing your policy.
10. Intellectual Property
All website content, forms, documentation, software tools, and branding are the
intellectual property of Blanca Peak Technologies, LLC or our partners. You may not copy,
reproduce, or distribute this content without written permission.
11. Prohibited Uses
You may not use our Services to:
Submit false or misleading insurance applications
Impersonate others or use stolen identities
Engage in fraud or misrepresentation
Bypass eligibility or underwriting requirements
Access or attempt to access data not intended for you
12. Policy Cancellations and Changes
Once a policy is issued, changes and cancellations are governed by the terms of the
insurance contract and applicable state laws. Please contact us or your issuing carrier for
cancellation, claim, or modification requests.
13. Limitation of Liability
To the fullest extent permitted by law, Blanca Peak Technologies, LLC shall not be liable for:
Errors or omissions in submitted information
Rejection of coverage by an insurer
Delays in underwriting or policy issuance
Losses from denied claims or cancellations
Our total liability is limited to the amount you paid to us, if any, for services not governed by
an insurance contract.
14. No Fiduciary Duty
While we act in your interest as a broker, we are not your fiduciary unless explicitly stated in
writing. We do not provide legal, tax, or investment advice. You are responsible for
evaluating whether a policy is suitable for your personal financial situation.
15. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State
of [Insert State]. Any disputes shall be resolved in the state or federal courts located in
[Insert County, State], unless otherwise required by insurance regulation.
16. Modifications to Terms
We reserve the right to update these Terms at any time. Updated versions will be posted on
our website with a revised “Effective Date.” Continued use of our Services after changes
means you accept the new Terms.
17. Contact Us
If you have any questions or concerns about these Terms or our Services, please contact:
Blanca Peak Technologies, LLC
14450 JJ 2nd St. Box 184
Email: info@kgerards.com
Phone: 719-379-3344