terms Of insurance

Terms and Conditions

Last Updated: 08-19-2026 ("we," "us," or "our"). By submitting information through our online lead forms, you agree to the following Terms and Conditions.

1. Our Service

We operate online forms that collect information from individuals interested in learning about final expense life insurance and indexed universal life (IUL) insurance products. We are not an insurance company, insurance agency, or licensed insurance producer. We connect individuals who submit our forms with independent, licensed insurance agents who may contact them regarding insurance products.

We do not sell insurance, provide insurance quotes, or offer insurance advice.

2. Eligibility

You must be at least 18 years old to submit information through our forms.

3. Consent to Be Contacted

By submitting a form, you agree that:

  • One or more licensed insurance agents may contact you by phone, text message (SMS), or email — including through automated dialing, texting, or pre-recorded messages — regarding insurance products.
  • Your information, including your phone number, will be shared with the licensed insurance agent(s) who purchase your lead information for this purpose.
  • Consent to be contacted is not a condition of purchasing any product or service.
  • Message and data rates may apply. Message frequency varies.
  • You may opt out of text messages at any time by replying "STOP" to any message.

4. No Guarantee of Coverage or Outcome

Submitting a form does not guarantee that you will qualify for, be offered, or be approved for any insurance product. Coverage eligibility, pricing, and approval are determined solely by the licensed insurance agent(s) and insurance carrier(s) you may be connected with.

5. Accuracy of Information

You agree to provide accurate and truthful information when submitting our forms. We are not responsible for outcomes resulting from inaccurate or incomplete information you provide.

6. Third-Party Agents

Licensed insurance agents who receive your information are independent third parties. We do not control, supervise, or take responsibility for their conduct, sales practices, or the products they offer. Any agreement, purchase, or policy you enter into is solely between you and that agent/insurance carrier.

7. Limitation of Liability

To the fullest extent permitted by law, [YOUR BUSINESS NAME] is not liable for any damages, losses, or claims arising from your interactions with insurance agents connected through our forms, or from any insurance products or services you may purchase.

8. Privacy

Our collection, use, and disclosure of your personal information is governed by our [Privacy Policy — insert link], which is incorporated into these Terms by reference.

9. Changes to These Terms

We may update these Terms and Conditions from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our forms after changes are posted constitutes acceptance of the updated Terms.

10. Governing Law

These Terms are governed by the laws of the State of Illinois, without regard to conflict of law principles. [Adjust to your actual state of business registration if different.]

11. Contact Us

If you have questions about these Terms and Conditions, contact us at:

jonathantrujillo360@gmail.com