Last Updated: [DATE]
Please read these Terms & Conditions ("Terms") carefully before using the website at [WEBSITE URL] (the "Site") operated by [COMPANY NAME] ("we," "us," or "our").
By accessing or using our Site, you agree to be bound by these Terms. If you do not agree, please do not use our Site.
You agree to use this Site only for lawful purposes and in a manner that does not infringe the rights of others. You may not:
The content on this Site is provided for general informational purposes only. Nothing on this Site constitutes insurance advice, financial advice, or a binding offer of insurance coverage. Final expense and life insurance products are subject to underwriting approval, state availability, and the terms of individual policies.
By completing the qualification quiz or submitting your information, you consent to being contacted by licensed insurance agents who may offer you quotes or information about coverage options. There is no obligation to purchase.
Completing our qualification questionnaire does not guarantee that you will be approved for any insurance product. Actual eligibility, coverage amounts, and premiums are determined by licensed insurance carriers based on your individual circumstances.
By submitting your information or clicking the call button on this Site, you expressly consent to receive calls and/or text messages from [COMPANY NAME] and its marketing partners, including calls placed using an automatic telephone dialing system or pre-recorded voice messages, at the telephone number you provided, even if your number is on a Do Not Call registry. Message and data rates may apply. Consent is not a condition of purchase.
All content on this Site, including text, graphics, logos, and images, is the property of [COMPANY NAME] or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
Our Site may contain links to third-party websites or services. We have no control over the content or practices of those sites and accept no responsibility for them. We encourage you to review the terms and privacy policies of any third-party sites you visit.
The Site and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by law, [COMPANY NAME] shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of the Site or the information provided herein.
You agree to indemnify and hold harmless [COMPANY NAME] and its officers, directors, employees, and agents from any claims, liabilities, damages, and expenses (including reasonable attorneys' fees) arising out of your use of the Site or violation of these Terms.
These Terms shall be governed by and construed in accordance with the laws of the State of [STATE], without regard to its conflict of law provisions. Any disputes shall be resolved in the courts located in [COUNTY, STATE].
We reserve the right to modify these Terms at any time. Changes are effective when posted to the Site. Your continued use of the Site after posting constitutes your acceptance of the revised Terms.
If you have questions about these Terms, please contact us at:
[COMPANY NAME]
[ADDRESS]
Email: [CONTACT EMAIL]
Phone: [PHONE NUMBER]