Terms of Use

Effective November 5, 2026. Draft for attorney review before publication.

Who we are

This website is operated by , a life insurance agent licensed by the Florida Department of Financial Services, doing business as . We are an independent insurance agent, not an insurance company. We are not affiliated with any government agency, Medicare, or Social Security.

Information only, not an offer of coverage

Content on this site is general information about final expense life insurance. It is not a quote, an application, a binder, or a promise of coverage. Premiums, coverage amounts, eligibility, waiting periods, and policy terms are determined solely by the issuing insurance company and may differ from examples shown here. Only the policy itself governs.

Submitting a request

By submitting a form you confirm the information is accurate, that you are at least 18, that you are a resident of a state where the agent is licensed, and that you agree to the consent language shown on the form and to our Privacy Policy.

No guarantees

We do not guarantee acceptance, rates, or benefits. We make no representation about tax treatment; consult a tax professional.

Limitation of liability

To the fullest extent permitted by law, we are not liable for indirect or consequential damages arising from use of this site. This site is provided as is.

Governing law

These terms are governed by the laws of the State of Florida.

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