Terms of Service

Last updated: January 1, 2025

These Terms of Service ("Terms") govern your use of the Final Expense Agency website and services. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Final Expense Agency provides insurance brokerage services, including:

• Insurance quotes and comparisons
• Application assistance
• Educational resources about final expense insurance
• Customer support and guidance

3. Eligibility

Our services are available to:

• Individuals 18 years of age or older
• Legal residents of the United States
• Individuals seeking insurance coverage in states where we are licensed

4. User Responsibilities

Accurate Information

You agree to provide accurate, current, and complete information when:

• Requesting quotes
• Completing applications
• Communicating with our agents
• Using our website

Prohibited Uses

You may not use our services to:

• Provide false or misleading information
• Violate any applicable laws or regulations
• Interfere with or disrupt our services
• Attempt to gain unauthorized access to our systems
• Use our services for any unlawful purpose

5. Insurance Services

Brokerage Relationship

Final Expense Agency acts as an insurance broker. We represent multiple insurance companies and help you find suitable coverage based on your needs and qualifications.

No Guarantee of Coverage

We cannot guarantee that you will qualify for any specific insurance policy. Coverage is subject to the underwriting guidelines of individual insurance companies.

Premium Payments

Premium payments are made directly to the insurance company, not to Final Expense Agency. We do not collect or handle premium payments.

6. Website Use

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Final Expense Agency or its licensors and is protected by copyright and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes.

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

8. Communications

Consent to Contact

By providing your contact information, you consent to receive communications from us and our insurance partners via:

• Phone calls (including automated calls)
• Text messages
• Email
• Mail

Opt-Out

You may opt out of marketing communications at any time by following the unsubscribe instructions or contacting us directly.

9. Disclaimers

No Warranties

Our website and services are provided "as is" without any warranties, express or implied. We disclaim all warranties, including but not limited to:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information

Third-Party Content

We are not responsible for the content, accuracy, or opinions expressed in third-party materials or websites linked from our site.

10. Limitation of Liability

To the maximum extent permitted by law, Final Expense Agency shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data
• Business interruption
• Personal injury

11. Indemnification

You agree to indemnify and hold harmless Final Expense Agency from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

12. Termination

We may terminate or suspend your access to our services at any time, with or without cause, and with or without notice.

13. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Dallas County, Texas.

14. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services constitutes acceptance of the modified Terms.

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Final Expense Agency regarding your use of our services.

17. Contact Information

18. Regulatory Information

Final Expense Agency is licensed as an insurance agency in all 50 states. License numbers are available upon request. We are subject to regulation by state insurance departments.

19. Complaint Process

If you have a complaint about our services, please contact us first. If we cannot resolve your concern, you may contact your state insurance department.

20. Effective Date

These Terms are effective as of January 1, 2025, and apply to all users of our website and services.