Terms and Conditions

Effective Date: March 23, 2026

These Terms and Conditions ("Terms") govern your access to and use of the Final Expense Company website ("Website") and services. By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, you should not use this Website.

1. Nature of Services

Final Expense Company operates as an insurance lead-generation and marketing platform. We do not provide insurance coverage, underwriting, or guarantees of coverage.

Our role is to:

• Collect consumer inquiries
• Share information with licensed insurance agents or agencies
• Facilitate communication regarding insurance-related products

All insurance services are provided solely by independent, licensed professionals.

2. Eligibility

By using this Website, you represent that:

• You are at least 18 years of age
• You are legally capable of entering into binding agreements
• All information you provide is accurate and truthful

This Website is intended for use by residents of the United States unless otherwise stated.

3. User Submissions & Accuracy

By submitting information through this Website, you agree that:

• You are providing accurate, current, and complete information
• You will not submit false, misleading, or third-party information without authorization
• We may rely on the information you provide for lead distribution purposes

We are not responsible for outcomes resulting from inaccurate or incomplete information submitted by users.

4. Consent to Communications (TCPA)

By submitting your contact information, you expressly consent to receive communications from:

• Final Expense Company
• Its affiliates
• Licensed insurance agents or marketing partners

Communications may include:

• Telephone calls
• Text messages (SMS)
• Emails
• Automated dialing systems or prerecorded messages

Consent is not a condition of purchase. Standard message and data rates may apply. You may revoke consent at any time by replying STOP to SMS messages or contacting us directly.

When anyone reaches out via SMS for the first time, they are automatically sent the following opt-in message. Thanks for reaching out to Final Expense Company. Please reply YES to confirm you're willing to receive texts from us. NOTE: This is a GoDaddy client that has the same opt-in flow as other approved campaigns and the opt-in does not occur on a website.

5. Call Recording

You acknowledge and agree that phone calls may be recorded and monitored for:

• Quality assurance
• Training
• Compliance
• Verification

Where required by law, consent is obtained prior to recording.

6. Intellectual Property

All content on this Website, including text, graphics, logos, and design elements, is the property of Final Expense Company or its licensors and is protected by intellectual property laws.

You may not:

• Copy, reproduce, or distribute content without written permission
• Use our trademarks without authorization
• Exploit Website materials for commercial purposes

7. Prohibited Uses

You agree not to use the Website to:

• Violate applicable laws or regulations
• Submit fraudulent or deceptive information
• Interfere with the Website's operation or security
• Harvest or collect user data without authorization

We reserve the right to restrict or terminate access for violations of these Terms.

8. Disclaimer of Warranties

This Website and its content are provided on an "as is" and "as available" basis.

We make no warranties regarding:

• Accuracy or completeness of content
• Availability of insurance coverage
• Outcomes of agent communications
• Continuous or error-free operation of the Website

9. Limitation of Liability

To the fullest extent permitted by law, Final Expense Company shall not be liable for:

• Indirect, incidental, or consequential damages
• Actions or omissions of third-party insurance agents
• Errors, delays, or interruptions in service
• Losses arising from reliance on Website content

Your sole remedy is the discontinuation of Website use.

10. Third-Party Services & Links

The Website may include links to third-party websites or services. We are not responsible for:

• Their content or practices
• Privacy or security policies
• Products or services offered

Accessing third-party sites is at your own risk.

11. Indemnification

You agree to indemnify and hold harmless Final Expense Company, its affiliates, and partners from any claims, damages, or expenses arising out of:

• Your use of the Website
• Your violation of these Terms
• Your submission of inaccurate or unlawful information

12. Data Privacy

Your use of the Website is also governed by our Privacy Policy and Cookies Policy, which describe how we collect, use, and protect information.

13. Modifications to Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting. Continued use of the Website constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which Final Expense Company operates, without regard to conflict-of-law principles.

15. Contact Information