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Terms of Use

Effective Date: 2026

1. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the site. We may update these terms at any time, and your continued use of the site constitutes acceptance of the updated terms.

2. Use of the Website

This website is intended to provide information about final expense life insurance and connect users with licensed insurance agents. You may use the site only for lawful purposes and in accordance with these terms. You agree not to use the site in any way that could damage, disable, or impair the site or interfere with any other party's use.

3. Not an Insurance Contract

The information on this website is for informational purposes only and does not constitute an offer to sell or a solicitation to buy any insurance product. A final expense insurance policy is only issued after an application is completed, reviewed, and approved by the issuing insurance carrier. All coverage terms, premiums, and conditions are determined by the carrier.

4. No Guarantee of Approval

Submitting information or requesting a quote does not guarantee that you will qualify for coverage. Approval, rates, and coverage amounts depend on the carrier's underwriting guidelines and your individual circumstances.

5. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of the site owner or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or modify any content without prior written permission.

6. Disclaimer of Warranties

The website and its content are provided "as is" without warranties of any kind, either express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

7. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any damages arising out of or related to your use of the website or the information contained on it. This includes direct, indirect, incidental, consequential, and punitive damages.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any third-party site.

9. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the jurisdiction in which the site owner is located, without regard to conflict of law principles.

10. Contact Us

If you have any questions about these Terms of Use, please contact us using the information provided on our website.

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