Last updated: March 2026
By accessing or using the Oaken Life website located at www.oakenlife.com, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this website.
Oaken Life is an independent life insurance agency operated by Brayden Ricks, a licensed life insurance producer. We help individuals and families explore life insurance options including final expense, term life, whole life, and indexed universal life (IUL) coverage through top-rated carriers.
Oaken Life is not an insurance carrier. We are an independent agent and do not underwrite or issue insurance policies directly.
Nothing on this website constitutes an offer, commitment, or contract for insurance coverage. Submitting a quote request does not guarantee approval, coverage, or any specific premium rate. All coverage is subject to carrier underwriting and approval.
Insurance products described on this site may not be available in all states or to all applicants. Actual policy terms, conditions, and premiums will be provided at the time of application.
The content on this website is provided for general informational purposes only. It is not intended as legal, financial, or tax advice. You should consult a qualified professional before making any decisions based on the information provided here.
While we make every effort to keep information accurate and up to date, we make no warranties or representations regarding the completeness, accuracy, or reliability of any content on this site.
By submitting a quote request through our website, you consent to being contacted by Oaken Life via phone, email, or text message regarding your insurance inquiry. You may opt out of future communications at any time by notifying us directly.
We will handle your personal information in accordance with our Privacy Policy.
All content on this website, including text, graphics, logos, and design elements, is the property of Oaken Life and may not be copied, reproduced, or distributed without prior written permission.
Oaken Life and its representatives shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on any information provided here. Our total liability in any matter related to this website shall not exceed the amount you paid, if any, to access our services.
This website may contain links to third-party websites, including insurance carrier sites and booking tools. We are not responsible for the content, privacy practices, or accuracy of any third-party sites. Visiting those links is at your own discretion.
We reserve the right to update these Terms of Service at any time. Changes will be reflected by updating the date at the top of this page. Continued use of the website after changes are posted constitutes your acceptance of the updated terms.
These terms are governed by the laws of the State of Utah, without regard to its conflict of law provisions.
If you have any questions about these Terms of Service, please reach out:
Oaken Life
Email: brayden.ricks.insurance@gmail.com
Phone: (239) 919-7384
Website: www.oakenlife.com