Terms & Conditions

Welcome to (the "Website"), operated by , doing business as ("we," "us," or "our"). By accessing or using this Website, submitting a form, or communicating with us, you agree to these Terms & Conditions. If you do not agree, please do not use the Website.

1. About Our Services

is an independent insurance agency. is a licensed insurance agent (National Producer Number ) who helps individuals and families compare and apply for insurance products, including final expense insurance, mortgage protection, term life insurance, whole life insurance, indexed universal life insurance, and annuities, from multiple insurance carriers.

We are not an insurance company. Insurance policies are issued by the insurance carriers, not by .

2. Informational Content Only

The content on this Website is for general educational and informational purposes only. It is not legal, tax, financial, or investment advice, and it does not create a binding offer of coverage.

Product features, benefits, pricing, and eligibility vary by insurance carrier, product, and state. Coverage is subject to each carrier's underwriting, approval, and policy terms. Submitting a form or requesting a quote does not guarantee that you will be approved for coverage or receive a specific rate. Not all products are available in all states.

3. Your Responsibilities

When you use our Website or services, you agree to:

Provide accurate, current, and complete information

Submit information only for yourself, or for another person with their permission

Use the Website only for lawful purposes

Not attempt to interfere with, damage, or gain unauthorized access to the Website

Providing false or incomplete information on an insurance application may result in denial of coverage, cancellation of a policy, or denial of a claim by the insurance carrier.

4. SMS / Text Messaging Terms

Program description. When you opt in through a form on our Website, may send you text messages related to your consent choices:

Informational/transactional messages: appointment confirmations and reminders, quote follow-ups, notifications, application and policy-related updates, and customer service messages.

Marketing messages (only if you separately consented): insurance product information, promotions, and service updates.

Consent. Consent to receive text messages is not a condition of purchase. You may opt in to informational messages, marketing messages, both, or neither.

Message frequency. Message frequency varies based on your interaction with us.

Costs. Message and data rates may apply. Check with your mobile carrier for details about your plan.

Opting out. You can cancel the SMS service at any time. Just text STOP to the number you received messages from. After you send STOP, you will receive one final message confirming that you have been unsubscribed, and you will no longer receive text messages from us unless you opt in again.

Help. If you need assistance, reply HELP or contact us at or .

Carrier liability. Mobile carriers are not liable for delayed or undelivered messages.

Privacy. Your mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. For details, please read our Privacy Policy.

5. Phone and Email Communications

By submitting your information, you agree that may contact you by phone or email about your inquiry, quote, or application. You may ask us to stop contacting you at any time by letting us know or by using the unsubscribe link in any email.

6. Intellectual Property

All content on this Website, including text, graphics, logos, and images, is owned by or licensed to and is protected by applicable intellectual property laws. You may not copy, reproduce, or distribute any content without our written permission.

7. Third-Party Links

The Website may contain links to third-party websites, such as state insurance department license lookup pages or insurance carrier websites. We do not control and are not responsible for the content, policies, or practices of those websites.

8. Disclaimer of Warranties

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

9. Limitation of Liability

To the fullest extent permitted by law, and its agents will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Website or reliance on its content. Nothing in these Terms limits any rights you have under applicable insurance laws or regulations.

10. Changes to These Terms

We may update these Terms & Conditions from time to time. Changes will be posted on this page with an updated effective date. Continued use of the Website after changes are posted means you accept the updated Terms.

11. Governing Law

These Terms are governed by the laws of the State of , without regard to its conflict of law rules.

12. Contact Us

If you have questions about these Terms & Conditions, contact us:

Phone:
Email:
Website: