Terms of Service

1. Agreement to Terms

Welcome to Final Expense Policy (“we,” “us,” or “our”), accessible via https://finalexpensepolicy.us/ (“Website”). These Terms of Service (“Terms”) constitute a legally binding agreement made between you (“User,” “you,” or “your”) and Final Expense Policy concerning your access to and use of our Website and any related services.

By accessing or using our Website, submitting any quote request or contact form, or utilizing any resources on this Website, you acknowledge that you have read, understood, and agree to be bound by all of these Terms, as well as our Privacy Policy, TCPA & Calling Consent, and Do Not Call Policy. If you do not agree with all of these Terms, you are expressly prohibited from using the Website and must discontinue use immediately.

2. Nature of Our Services – Marketing Referral Website

Final Expense Policy is an independent insurance marketing organization and lead referral platform. We are not an insurance company, insurance carrier, underwriter, or licensed insurance agency.

Our service consists of matching consumers seeking information regarding final expense, burial, and senior life insurance with independent, licensed insurance agents, brokers, and partner agencies operating in their respective jurisdictions. We do not underwrite policies, approve coverage, set premium pricing, issue insurance contracts, or adjust claims.

Any quotes, rates, coverage amounts, policy terms, or eligibility criteria presented on or through this Website are non-binding estimates provided for illustrative purposes only. Actual coverage, rates, and approval are determined solely by the issuing insurance company following completed application, underwriting review, and state regulatory guidelines.

3. Eligibility & User Representations

By using this Website, you represent and warrant that:

• You are at least 18 years of age and possess the legal capacity to enter into binding agreements;
• You reside in the United States;
• All information you submit through our forms is true, accurate, current, and complete;
• You are submitting information solely on your own behalf or with express written authorization on behalf of a family member;
• Your use of the Website does not violate any applicable federal, state, or local law or regulation.

4. TCPA & Communication Consent

By providing your contact details (including phone number and email address) and clicking “Check My Options” or any equivalent submission button, you provide your express written consent under the Telephone Consumer Protection Act (47 U.S.C. § 227) (“TCPA”) and related state telemarketing statutes for Final Expense Policy and our Marketing & Carrier Partners to contact you regarding insurance options.

Communications may be delivered via telephone calls, automated telephone dialing systems (ATDS), artificial or prerecorded voice messages, and SMS/MMS text messages to the telephone number you provided, even if your number is currently listed on any internal, corporate, state, or federal Do Not Call Registry.

Consent is not a condition of purchasing any good or service. You may revoke your consent at any time as detailed in our TCPA & Calling Consent and Do Not Call Policy.

5. Intellectual Property Rights

Unless otherwise indicated, the Website, including all source code, databases, software, website designs, audio, video, text, photographs, and graphics on the Website (collectively, the “Content”), and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or licensed to Final Expense Policy and are protected by copyright, trademark, and unfair competition laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Website solely for your personal, non-commercial use in exploring final expense insurance options. No part of the Website may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever without our express prior written permission.

6. Prohibited Activities

When utilizing our Website, you agree not to:

• Submit fraudulent, deceptive, or misleading information or submit contact details for individuals without their verifiable authorization;
• Systematically retrieve data or other content from the Website to create or compile, directly or indirectly, a collection, database, or directory without written permission;
• Use any automated script, bot, spider, scraper, or automated tool to access, harvest, or monitor the Website;
• Interfere with, disrupt, or create an undue burden on the Website or the networks or services connected to the Website;
• Attempt to bypass any measures designed to prevent or restrict access to the Website or any portion of the Website;
• Use the Website in any manner inconsistent with applicable laws, statutes, and regulations.

7. Disclaimer of Warranties

THE WEBSITE AND ALL SERVICES OFFERED ARE PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FINAL EXPENSE POLICY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE CONTENT, SERVICES, SOFTWARE, TEXT, GRAPHICS, OR LINKS. WE DO NOT WARRANT THAT THE WEBSITE WILL OPERATE ERROR-FREE OR THAT THE WEBSITE AND ITS SERVERS ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MECHANISMS.

8. Limitation of Liability

IN NO EVENT SHALL FINAL EXPENSE POLICY, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE WEBSITE OR ANY INSURANCE PRODUCTS OFFERED BY THIRD PARTIES.

9. Dispute Resolution & Mandatory Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by final and binding individual arbitration before a single arbitrator administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.

Class Action Waiver: YOU AND FINAL EXPENSE POLICY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

10. Modifications to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect by posting the revised Terms on this Website with an updated effective date. Your continued use of the Website after any changes indicates your acceptance of the updated Terms.

11. Contact Information

If you have questions, concerns, or requests regarding these Terms of Service, please contact us: