Terms & Conditions

These Terms & Conditions govern your use of the {{custom_values.business_name}} website. Please read them before using the site. If you do not agree, please discontinue use.

This website provides information and a way to request a conversation. It is not an insurance policy, an insurer’s application, or a contract for coverage.

Content about final expense, term life, indexed universal life (IUL), annuities, and mortgage protection is general information. It is not a personalized recommendation or tax, legal, or investment advice.

Product availability, eligibility, premiums, exclusions, benefits, and underwriting vary by insurer, policy, and state. Review your circumstances and the applicable product documents with a qualified licensed professional before making a coverage decision.

IUL policies have charges, funding requirements, and crediting limits. Annuities may involve fees, surrender charges, restrictions, and tax consequences. Insurer guarantees depend on the issuing insurer’s claims-paying ability.

Browsing, selecting a product, submitting contact details, or booking a conversation does not apply for, bind, modify, cancel, or guarantee insurance coverage. Only the insurer’s issued contract and its requirements determine whether coverage is in force.

Appointments are managed through the embedded scheduling service. Complete all required steps and rely on the booking confirmation to confirm your appointment. Available times, cancellation options, and rescheduling instructions are provided by that service.

Referral requests are submitted through the embedded form. Follow its instructions and check its confirmation to confirm your submission. A referral does not guarantee contact within a particular time or an insurance outcome.

Use the website lawfully. Do not disrupt the site, bypass access restrictions, introduce malicious code, impersonate another person, or collect other visitors’ information.

Provide accurate information in working forms. Obtain a person’s permission before sharing their details as a referral. Do not provide sensitive health, financial, or identification information in general website fields.

A referral does not provide blanket permission for unrelated marketing. The website offers no referral payment or guaranteed result.

Text, design, photographs, logos, fonts, icons, and software may be protected by intellectual-property rights and remain subject to their owners’ applicable licenses. A displayed logo does not change the terms or availability of an insurer’s products.

Testimonials marked “Sample testimonial” are invented examples for design review. They are not verified client statements, actual customer ratings, or promises about the experience or results you will receive.

Outside websites and service providers operate under their own terms and privacy notices. Links and embedded features do not guarantee another provider’s availability, content, or security.

Read our Privacy Policy for information about contact details, scheduling, and website delivery.

The website is provided as available. We do not promise uninterrupted access or that general information will address every situation. Verify material details with a qualified professional and the applicable insurer.

Nothing in these terms excludes a responsibility or limits a right that applicable law does not permit to be excluded or limited.

These terms may be updated as the website changes. The date at the top of this page identifies the latest revision.