Terms of Use

These Terms of Use ("Terms") govern your access to and use of finalexpenseprograms-plans.com (the "Site") operated by Final Expense Programs & Plans ("we," "us," or "our"). By using the Site, you agree to be bound by these Terms.

Not an Insurance Company

We are not an insurance company, agency, broker, or licensed producer. The Site is an advertisement and a solicitation of life insurance. We connect interested consumers with licensed insurance agents who represent one or more insurance carriers. We do not guarantee coverage, premiums, or eligibility.

Eligibility

The Site and its content are intended for U.S. residents age 50 to 80. By using the Site you represent that you meet these requirements. Coverage availability and terms vary by age, state of residence, and underwriting guidelines.

Advertising Disclosure

We may be compensated by insurance carriers, agencies, or marketing partners when you contact an agent through the Site. Compensation may influence which agents or offers are presented, but does not change the editorial content of the Site.

Call Recording & Routing

Calls placed using the telephone number displayed on the Site may be recorded, monitored, and routed through a third-party call tracking provider for quality, training, compliance, and analytics purposes. By calling, you consent to such recording and routing.

No Medical, Legal, or Financial Advice

Information on the Site is provided for general informational and advertising purposes only and does not constitute medical, legal, tax, or financial advice. You should consult a qualified professional before making decisions about insurance coverage.

Intellectual Property

All content on the Site - including text, graphics, logos, images, and software - is owned by us or our licensors and is protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works without our prior written consent.

Disclaimer of Warranties

The Site is provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free from harmful components.

Limitation of Liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or any insurance product obtained through an agent referenced on the Site.

Changes

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

Governing Law

These Terms are governed by the laws of the United States and the state in which we operate, without regard to conflict-of-laws principles.