Website Disclaimer

Insurance products and services are offered through Cameron McClendon, a licensed Texas insurance producer, and applicable authorized insurance carrier or agency relationships.

Texas Insurance Agent License: 3253199
National Producer Number (NPN): 21370569

MBS is not an insurance carrier and does not independently underwrite insurance policies.

Product availability and the authority to solicit, negotiate, or arrange coverage depend on applicable licensing, appointments, and carrier authorizations.

Any premiums, estimates, illustrations, benefits, or coverage descriptions displayed or discussed are subject to carrier approval, underwriting, eligibility requirements, applicable policy terms, and availability.

Coverage depends on carrier underwriting, eligibility, policy terms, limitations, exclusions, and applicable regulations. Premiums, benefits, and availability may vary by person, location, and carrier.

Submitting an inquiry, requesting a quotation, scheduling an appointment, or completing a preliminary application does not automatically establish insurance coverage.

Coverage becomes effective only under the applicable insurer’s binding, issuance, payment, and effective-date requirements.

Whether you have coverage, and what it includes, must be confirmed through the applicable insurer or its authorized representative and the policy documents issued to you.

Information about employer-sponsored health insurance, group dental and vision, supplemental benefits, group life insurance, disability coverage, and executive benefits is educational.

Employer eligibility, employee participation requirements, contribution arrangements, pricing, and plan availability vary.

MBS does not guarantee employee enrollment, group approval, premium savings, or particular tax advantages.

Employer plan sponsors remain responsible for applicable legal and administrative obligations unless those responsibilities have been expressly assigned through a valid agreement.

Health insurance eligibility, subsidies, enrollment periods, covered services, provider networks, and prescription benefits may vary according to individual circumstances and program rules.

Marketplace plans, private insurance plans, and government-administered programs have separate eligibility and enrollment requirements.

MBS does not determine government program eligibility or guarantee financial assistance.

For individual and family health insurance, dental and vision coverage, accident insurance, critical illness insurance, hospital indemnity insurance, disability insurance, and group health and employee benefits, the benefits, eligibility, limitations, exclusions, waiting periods, and claims requirements depend on the applicable policy.

Supplemental insurance, such as accident, critical illness, and hospital indemnity coverage, generally does not replace comprehensive major medical health insurance.

Life insurance illustrations, cash values, death benefits, interest assumptions, and other projections may contain guaranteed and nonguaranteed elements.

Indexed universal life insurance is subject to policy provisions, charges, crediting methods, limitations, and other risks.

Mortgage protection and key person insurance are descriptions of insurance purposes or arrangements and do not necessarily represent distinct insurance policy types.

MBS does not provide individualized legal, tax, or investment advice through website content.

Term life, whole life, indexed universal life, mortgage protection life insurance, and final expense insurance are each subject to the issuing carrier’s underwriting. Approval, premiums, and benefits depend on the policy actually issued.

Permanent life insurance, such as whole life and indexed universal life, may involve policy charges, ongoing funding requirements, and the risk that a policy lapses if it is not adequately funded. Cash value growth is not automatically guaranteed beyond the guarantees stated in the policy.

Policy loans and withdrawals reduce cash value and death benefits, may cause a policy to lapse, and can have tax consequences. Please consult a qualified tax professional about your situation.

Indexed universal life insurance credits interest based in part on the performance of a market index, subject to caps, participation rates, and other limits. It is not a direct investment in the stock market or in any index.

Illustrations are hypothetical and are not guarantees of future performance. Life insurance is not presented on this website as a guaranteed investment or a tax-free retirement strategy.

Mortgage protection life insurance is life insurance that can help a family with mortgage payments. It is different from private mortgage insurance (PMI), which a lender may require and which protects the lender, not the borrower’s family.

Insurance contracts are issued and administered by the respective insurance carriers.

Each carrier is responsible for its own policy terms, underwriting decisions, claims determinations, and contractual obligations.

MBS does not guarantee the performance or financial condition of any carrier.

McClendon Benefits Solutions can help connect customers with an appropriately licensed insurance professional for home and auto insurance quote assistance. Quotes, coverage recommendations, policy placement, and servicing are handled by that licensed professional. Coverage availability and eligibility vary.

MBS does not directly sell, bind, underwrite, or service home or auto insurance policies. Requesting a quote through our Home & Auto pages does not create coverage.

Cameron McClendon is an independent LegalShield associate. LegalShield memberships are legal service plans, not insurance policies.

MBS is not a law firm, and Cameron McClendon does not provide legal advice or legal representation. Covered legal services are provided by participating LegalShield provider law firms and their attorneys.

Membership benefits depend on the plan selected and are subject to limitations, exclusions, and the applicable membership terms. Not every legal matter is covered.

Enrollment and membership purchases take place on Cameron McClendon’s official LegalShield associate website, cameronmcclendon.legalshieldassociate.com (opens in a new tab). Membership pricing and availability are set by LegalShield’s current terms. Read more on our Legal Protection page.

Notary services are performed separately by Cameron McClendon in his capacity as a commissioned Texas Notary Public.

Notarial services do not constitute legal representation or legal advice.

Unless separately authorized by law, a Texas notary cannot select legal forms, draft legal documents for others, or advise individuals concerning legal rights or the legal effect of documents.

Loan signing assistance is limited to authorized signing-agent and notarial functions.

Remote online notarization is subject to applicable Texas requirements, identity verification, technology availability, and other legal conditions.

Traditional notary services, mobile notary services, remote online notarization, and loan signing agent services are separate services with their own requirements and fees, as described on our Notary Services and Loan Signing Services pages.

McClendon Benefits Solutions uses Smith.ai AI Receptionist for general telephone answering, message handling, and administrative assistance.

The AI receptionist is not a licensed insurance agent, attorney, or notary public and is not authorized to provide individualized insurance or legal advice.

The AI receptionist cannot:

• Issue, approve, bind, cancel, renew, or modify insurance policies.
• Determine whether you qualify for coverage.
• Guarantee premiums, benefits, or claims outcomes.
• Provide legal advice or legal representation, or establish an attorney-client relationship.
• Perform notarizations.
• Guarantee loan signing availability or pricing.
• Make binding commitments concerning services offered by McClendon Benefits Solutions.

Insurance coverage decisions, LegalShield membership terms, and notary or loan signing arrangements must be confirmed through the appropriate authorized professional or service provider.

Information communicated through the AI receptionist should not be relied upon as confirmation that a policy has been issued, changed, renewed, or canceled. For urgent coverage changes, cancellations, or requests to bind coverage, do not rely on a voicemail or a message left with the receptionist; a request is not complete until MBS or the insurance carrier confirms it to you directly.

Use of this website does not create an attorney-client relationship, fiduciary advisory relationship, or any other professional relationship beyond one expressly established through an authorized service engagement. Learning about or enrolling in a LegalShield membership through this website does not create an attorney-client relationship with MBS or Cameron McClendon.

Third-party websites, insurance carriers, scheduling platforms, the LegalShield associate website, and other external resources operate independently.

MBS does not control or guarantee their content, security, products, or services.

Website information is provided without guarantees of uninterrupted access, error-free operation, or suitability for a particular purpose, to the extent permitted by applicable law.

Nothing in this disclaimer waives consumer rights or limits responsibilities that cannot legally be excluded.

For questions about this disclaimer, please contact: