Terms of Use

1. Informational Purpose Only

This website is provided for informational and educational purposes only. Nothing on this site constitutes legal, tax, accounting, investment, or financial advice. Visitors should consult qualified professionals regarding their specific circumstances before making any financial or insurance decisions.

Hafnia Insurance Services offers fixed insurance products only. We do not sell securities, mutual funds, variable annuities, variable life insurance, Medicare Supplement plans, Medicare Advantage plans, Medicare Part D plans, or provide investment advisory services.

2. No Insurance Application or Policy

Submitting a contact form, discovery call request, or any inquiry through this website does not create an insurance application, establish an agent-client relationship, bind coverage, or create any contractual obligation on the part of Hafnia Insurance Services or any insurance carrier. Coverage is only in force upon the issuance of a written policy by a licensed insurance carrier.

3. Licensing & Geographic Scope

Hafnia Insurance Services and its licensed agents discuss and transact insurance only in states where they hold an active, valid license. Information presented on this website may not apply to residents of all states. Nothing herein constitutes an offer to sell insurance in any jurisdiction where we are not properly licensed.

• Jan Gleisner, President — CA Insurance License #0D77385
• Jonathan Garcia, VP Business Development — CA Insurance License #0M88750

4. Accuracy of Information

We strive to keep the information on this site accurate and current; however, insurance products, rates, rules, and regulations change frequently. Hafnia Insurance Services makes no representations or warranties, express or implied, as to the completeness, accuracy, reliability, or suitability of the information on this site. We reserve the right to update or correct information at any time without notice.

5. Product Guarantees & Disclosures

Guarantees referenced on this website are backed solely by the claims-paying ability of the issuing insurance carrier. Fixed indexed annuities and indexed universal life insurance products:

• Are not bank deposits and are not insured by the FDIC or any federal government agency.
• May lose value due to fees, surrender charges, and product-specific features.
• Are subject to the terms, conditions, exclusions, and limitations described in the policy or contract.
• Have product availability and features that vary by state.

Illustrations and examples shown are hypothetical and for educational purposes only; past index performance does not guarantee future results.

6. Intellectual Property

All content on this website — including text, graphics, logos, images, and design — is the property of Hafnia Insurance Services or its content suppliers and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this site without prior written permission.

7. Third-Party Links

This website may contain links to third-party websites for convenience and reference. Hafnia Insurance Services has no control over the content, privacy practices, or accuracy of external sites and makes no representations about them. Linking to a third-party site does not constitute an endorsement. We encourage you to review the privacy policy and terms of any site you visit.

8. Limitation of Liability

To the fullest extent permitted by law, Hafnia Insurance Services, its owners, agents, and employees shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this website or the information contained herein. Your use of this website is at your sole risk.

9. Communications Consent

By submitting a contact form or inquiry on this website, you expressly consent to be contacted by a licensed Hafnia Insurance Services agent at the phone number and email address you provide, including by telephone call or email, for the purpose of responding to your inquiry. Standard message and data rates may apply. You may opt out at any time by contacting us at info@hafniainsurance.com.

10. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict-of-law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in San Diego County, California.

11. Changes to These Terms

Hafnia Insurance Services reserves the right to update or modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page with an updated "Last Updated" date. Your continued use of this website after any change constitutes your acceptance of the revised Terms.

12. Contact Us Regarding These Terms

If you have any questions or concerns about these Terms of Use, please contact us:

See also our Privacy Policy.