1. Acceptance of Terms
By using this website or submitting a request for information, you agree to these Terms and Conditions. If you do not agree, please do not use the website.
2. Informational Purpose Only
The information on this website is provided for general educational and informational purposes. Nothing on this website is a guarantee of coverage, approval, pricing, benefits, or eligibility.
3. Insurance Brokerage Services
Mortgage protection coverage is generally provided through life insurance products offered by third-party insurance carriers. Any coverage is subject to carrier underwriting, policy terms, exclusions, availability, and state requirements.
Submitting a form does not create an insurance policy, bind coverage, or guarantee that coverage will be offered.
4. Quotes and Applications
Any quote or estimate is preliminary and may change after additional information, underwriting, or carrier review. Coverage becomes effective only when all required conditions are satisfied and the insurance carrier confirms the policy is in force.
5. Accuracy of Information
You agree to provide accurate and complete information when requesting a quote or applying for coverage. Inaccurate or incomplete information may affect eligibility, pricing, or coverage.
6. Contact Permission
By submitting your contact information, you authorize a licensed insurance professional or service provider working with this website to contact you regarding your request by phone, email, or text message, subject to applicable law. Consent to be contacted is not a condition of purchasing insurance. Message and data rates may apply.
7. No Financial, Tax, or Legal Advice
Nothing on this website should be considered financial, tax, legal, or estate-planning advice. You should consult an appropriate professional regarding your individual circumstances.
8. Third-Party Carriers and Services
We may work with independent insurance carriers, technology providers, and other service providers. We are not responsible for the separate websites, policies, products, or services of third parties.
9. Website Availability
We try to keep the website accurate and available, but we do not guarantee that it will always be error-free, uninterrupted, or current.
10. Limitation of Liability
To the extent permitted by law, we are not liable for losses or damages arising from your use of this website, reliance on website information, or the acts or omissions of third-party insurance carriers or service providers.
11. Changes to These Terms
We may update these Terms and Conditions from time to time. The updated version will be posted on this website with a revised effective date.
12. Contact
Questions about these Terms and Conditions may be submitted through the contact information or quote form provided on this website.