TERMS OF SERVICE
Last Updated: 12/13/2025
These Terms of Service (“Terms”) govern your use of services offered by FFL (“we,” “us,” or “our”). By accessing our website, submitting your information, or scheduling a consultation, you agree to these Terms.
1. Scope of Services
We provide licensed life insurance guidance, policy education, and support in quoting, applying, and enrolling in life insurance products.
Services may include:
Life insurance consultations
Assessment of coverage needs
Quotes from partnered insurance carriers
Application assistance
Policy review and updates
We do not provide legal, tax, investment, or financial advisory services outside of life insurance guidance.
2. Eligibility
To use our services, you must:
Be at least 18 years old
Provide accurate and truthful information
Be legally able to enter a binding agreement
Reside in a state where we are licensed to offer products
Providing false or misleading information may result in denial of service.
3. Client Responsibilities
By engaging with us, you agree to:
Provide necessary information for obtaining accurate life insurance quotes
Attend scheduled appointments or reschedule in advance
Review all provided documents carefully
Ask questions to ensure clarity before making decisions
Follow any required steps to process your application
We are not responsible for delays caused by incomplete or inaccurate information.
4. No Guarantee of Approval
Life insurance approval is determined solely by the underwriting guidelines of the insurance carriers.
We do not guarantee:
Approval for a policy
Specific rates
Coverage amounts
Eligibility for certain products
Our role is to assist and guide you through your options.
5. Communications Consent
By submitting your information, you consent to receiving communications from us through:
SMS/text messages
Phone calls
Emails
These communications may include appointment reminders, follow-ups, documentation, and updates related to your inquiry or application.
You may opt out of SMS or email at any time.
6. Fees & Payments
There is no charge for consultations, quotes, or meetings.
If you choose to apply for a policy, you will pay premiums directly to the issuing insurance carrier.
We do not collect premium payments directly.
7. Third-Party Insurance Carriers
When preparing quotes or applications, we may work with various licensed insurance carriers.
We do not control underwriting decisions, timeframes, or carrier-specific requirements.
We are not responsible for:
Carrier delays
Changes in policy terms
Denied applications
Modifications to coverage or rates by the carrier
8. Privacy & Data Security
Your personal information is handled according to our Privacy Policy.
By using our services, you acknowledge that:
We store your information securely
We may use third-party platforms (e.g., Google Meet, CRM tools) to facilitate communication
No method of transmission is completely risk-free
We take reasonable steps to protect your data but cannot guarantee absolute security.
9. Website Use
You agree not to use our website or booking tools for any unlawful or harmful purpose, including attempts to:
Interfere with system functionality
Access unauthorized systems
Submit fraudulent information
Misuse of our platform may result in termination of access.
10. Limitation of Liability
To the fullest extent permitted by law, we are not liable for:
Damages resulting from policy approval decisions
Losses due to delays in application processing
Errors caused by incorrect client information
Indirect, incidental, or consequential damages
Your use of our services is at your own discretion and risk.
11. Changes to These Terms
We may update these Terms at any time, and the “Last Updated” date will reflect those changes.
Continued use of our services signifies acceptance of updated Terms.
12. Contact Information
For any questions or support, contact us at:
[email protected]
+1 202-902-8919
FFL