SMS Terms & Conditions

Last updated: June 16, 2026

Kalish Financial Services and Andy Kalish, a licensed Farmers Insurance agent, provide SMS text messaging to our clients for insurance servicing, including policy reviews, appointment coordination, account updates, and follow-up on existing life insurance policies.

SMS consent is optional. You do not have to agree to receive text messages to receive insurance service, request a quote, or speak with our office.

Message frequency varies. Message and data rates may apply. Reply STOP to opt out. Reply HELP for help.

SMS opt-in data and consent are not sold, rented, or shared with third parties for marketing purposes.

How Clients Opt In To SMS Messages

You may opt in to receive SMS messages from Kalish Financial Services in any of these ways:

Online — complete the opt-in form at https://www.kalishinsurance.net/sms-signup and check the consent box.
Verbally, during a phone call or office conversation with Kalish Financial Services.
When scheduling an appointment to review your policy.
During a policy review conversation.
On a form that includes an optional, unchecked SMS consent checkbox.

Consent is collected only after you see or hear the consent disclosure below. Any consent checkbox is optional, is not pre-checked, and can be declined without affecting your insurance service, quotes, applications, or appointments.

Consent disclosure shown at opt-in:

“I agree to receive recurring SMS text messages from Kalish Financial Services and Andy Kalish, a licensed Farmers Insurance agent, regarding servicing my insurance policy, including policy reviews, appointment coordination, account updates, and life insurance follow-up. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help. SMS consent is optional and is not required to receive insurance service, request a quote, complete an application, or schedule an appointment.”

1. SMS Consent Communication

The phone numbers and information obtained through the SMS consent process will not be shared with third parties for marketing purposes.

2. Types of SMS Communications

If you have consented to receive text messages from Kalish Financial Services, you may receive messages related to:

Insurance service follow-up
Policy review outreach
Appointment coordination
Account updates
Life insurance policy review
Responses to your questions or requests

3. Message Frequency

Message frequency varies depending on the type of communication and your interaction with us.

4. Potential Fees for SMS Messaging

Message and data rates may apply, depending on your carrier’s pricing plan.

5. Opt-In Method

You may opt in online at https://www.kalishinsurance.net/sms-signup, verbally during a conversation with Kalish Financial Services, when an appointment is scheduled to review your policy, or through a form that includes an optional SMS consent checkbox. SMS consent is not required to complete the main insurance service, quote, or application process.

6. Opt-Out Method

You can opt out of receiving SMS messages at any time by replying STOP to any message you receive. You may also contact us directly to request removal from our messaging list.

7. Help

For help, reply HELP, or contact Kalish Financial Services at andy@kalishinsurance.net or 720-927-9958.

8. Standard Messaging Disclosures

Message and data rates may apply.
Message frequency may vary.
Reply STOP to opt out at any time.
Reply HELP for assistance.
SMS consent is not shared with third parties for marketing purposes.
Privacy Policy: https://www.kalishinsurance.net/privacy-policy