Legal
Terms of Use
Last updated 21 September 2026.
Agreement
This website is operated by Williams Agency. By using it you agree to these terms. If you do not agree, please do not use the site.
This site is information, not advice
Everything on this website is general information about insurance products. It is not insurance advice, legal advice, tax advice or financial advice, and it is not a recommendation that any particular product is suitable for you. Your circumstances are specific to you and should be discussed with a licensed agent before you act.
Not an offer of insurance
Nothing on this site is an offer to sell, or a solicitation to buy, any insurance product in any jurisdiction where we are not licensed. Policies are issued by insurance carriers, not by us. Availability, features, riders, exclusions and premiums vary by state, by carrier and by individual, and every application is subject to underwriting approval. No coverage exists until an application has been accepted and a policy issued by the carrier.
Figures and examples
Any premiums, cover amounts or examples shown on this site are illustrative only. They are not quotes, they are not offers, and they do not guarantee that the same terms will be available to you. All guarantees depend on the claims-paying ability of the issuing insurance company.
Licensing
Morgan Williams is a licensed insurance producer, National Producer Number 21118885, which anyone can verify through the National Insurance Producer Registry at nipr.com. We only solicit or transact insurance business in states in which we hold a current licence. State licence numbers are available on request. We are not affiliated with, endorsed by, or acting on behalf of any government agency, and this site has no connection with Medicare, Social Security or any state or federal benefit programme.
Career and agent opportunity pages
Pages on this site describing an agent opportunity relate to an independent contractor position within Symmetry Financial Group, not to employment. Compensation is commission only. No income, earnings level or result is guaranteed, and individual results vary based on effort, skill, market and other factors. Nothing on those pages is an offer of employment or a contract.
Testimonials
Testimonials reflect the experience of individual clients or agents. They are not representative of all clients or agents, they are not a guarantee of future results, and no compensation was provided in exchange for them unless expressly stated.
Third-party links and tools
This site links to and embeds third-party services, including a scheduling tool. We do not control those services and are not responsible for their content, availability or practices. Your use of them is governed by their own terms.
Intellectual property
The content, design and marks on this site belong to Williams Agency or its licensors and may not be copied or reused without permission, except that you may view and print pages for your own personal use.
Acceptable use
You agree not to use this site unlawfully, to attempt to gain unauthorised access to it, to scrape it by automated means, or to interfere with its operation.
Disclaimer and liability
This site is provided on an "as is" basis. To the fullest extent permitted by law we disclaim all warranties, express or implied, and we will not be liable for any indirect, incidental or consequential loss arising from your use of it. Nothing in these terms limits any liability that cannot lawfully be limited.
Governing law
These terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law rules.
Changes
We may update these terms. Continued use of the site after a change means you accept the revised terms.
Contact
Questions can be sent to mkwillsfg@gmail.com.