Terms | Final Expense Protect

Agreement to Terms

By accessing and using our website, requesting a quote, or purchasing insurance through our services, you agree to be bound by these Terms of Service and all applicable laws and regulations.

Important: If you do not agree with any part of these terms, you may not use our services or website.

Our Services

What We Provide:

• Insurance quote comparison services
• Licensed agent consultation and assistance
• Application processing and submission to insurance carriers
• Ongoing customer service and policy management
• Educational resources about final expense insurance

Important Disclaimer:

We are an insurance marketing organization and work with multiple A-rated insurance carriers. We are not the insurance company and do not make final underwriting decisions. All insurance policies are issued by the respective insurance carriers.

Eligibility Requirements

Age Requirements

• Must be between ages 45-85
• Must be a U.S. citizen or permanent resident
• Must reside in the United States
• Must have legal capacity to enter contracts

Other Requirements

• Provide accurate and truthful information
• Answer all health questions honestly
• Have insurable interest in the insured person
• Comply with state insurance regulations

Application Process

Steps in Our Process:

1
Initial Quote: We provide estimates based on the information you provide. Final rates may vary based on underwriting.
2
Application Submission: We submit your application to selected insurance carriers based on your profile and preferences.
3
Underwriting: The insurance carrier reviews your application and makes the final approval decision. We facilitate this process but do not control the outcome.
4
Policy Issuance: Upon approval, the insurance carrier issues your policy directly to you.

Important Disclaimers

No Guarantee of Approval

While our final expense products offer guaranteed issue options, approval is subject to meeting eligibility requirements and answering health questions truthfully. We cannot guarantee approval for any specific individual.

Waiting Periods

Most final expense policies have waiting periods for natural death benefits (typically 2 years). During this period, limited benefits may apply. Accidental death benefits typically begin immediately. Specific terms vary by carrier and policy.

State Variations

Insurance regulations, available products, and benefits may vary by state. Not all products are available in all states. We will inform you of any state-specific limitations.

User Responsibilities

You Agree To:

• Provide accurate and complete information
• Answer all questions truthfully
• Notify us of any changes to your information
• Pay premiums on time once coverage begins
• Review policy documents carefully

• Not misuse our website or services
• Respect intellectual property rights
• Comply with all applicable laws
• Use services only for lawful purposes
• Maintain confidentiality of account information

Limitation of Liability

Our liability is limited to the scope of services we provide as an insurance marketing organization. We are not liable for:

• Insurance carrier underwriting decisions
• Policy terms, conditions, or exclusions
• Claims handling or benefit payments
• Indirect, incidental, or consequential damages
• Technical issues beyond our reasonable control

Our maximum liability for any claim related to our services shall not exceed the amount of compensation we received for the specific transaction in question.

Contact Information

Questions About These Terms?

Legal Department:

(888) 217-7903

Email: legal@finalexpensequotes.com

Mail: Legal Department
Final Expense Quotes
123 Insurance Blvd
Suite 100
Insurance City, IC 12345

Licensed Agents Available:

Monday - Friday: 8:00 AM - 8:00 PM EST

Saturday: 9:00 AM - 5:00 PM EST

Sunday: Closed

Licensed in all 50 states and Washington D.C.

These Terms of Service may be updated periodically. Continued use of our services constitutes acceptance of any changes.