Disclosures & Licensing

Last updated: August 12, 2026

Important Notice

This website provides general information only. It is not a contract, and it is not legal, tax, or medical advice. Always refer to your policy documents for full details.

Separate U.S. Business

Punjab Insurance USA is a U.S. business and operates separately from any Canadian business. U.S. products, rules, and availability are different and depend on state licensing and carrier guidelines.

Licensing

Punjab Insurance USA offers insurance services only where properly licensed.

• State(s) Served: California

If you are outside California, contact us to confirm availability.

Products & Availability

We may offer assistance with:

• Life Insurance, including Term Life, Whole Life, Universal Life, Indexed Universal Life, and Final Expense
• Supplemental Health Insurance, including Critical Illness, Accident, Hospital Indemnity, and Disability Income, as available
• Travel Insurance, including Travel Medical / Visitor Medical

Not all products are available in every state. Not all applicants will qualify.

No Guarantee of Coverage, Rates, or Approval

Insurance coverage is subject to underwriting and carrier approval. Rates, benefits, and eligibility depend on the application, medical history if applicable, and carrier rules. We do not guarantee approval, rates, or benefits.

Policy Terms Control

All coverage is subject to the policy’s terms, conditions, limitations, and exclusions. If anything on this website differs from the policy, the policy controls.

Third-Party Carriers & Links

We may work with one or more insurance carriers. Carrier availability and rules vary. This website may include links to third-party websites; we are not responsible for their content, privacy practices, or availability.

Communications

If you contact us or submit a form, you agree we may respond by phone call, text message, WhatsApp, or email about your request.

Consent is not required to purchase insurance. Message and data rates may apply. You can request to stop messages anytime.

Complaints / Consumer Help

If you have a complaint about an insurance transaction, you may contact your state insurance department.

Contact

Questions about these disclosures:

• Email: info@punjabinsurance.com