Terms & Conditions

Eligibility Requirements

You must be at least 18 years old and possess the legal capacity to enter into binding contracts to use our services. By accessing our platform, you represent and warrant that you meet these requirements and are seeking insurance coverage for legitimate purposes only.

Account Information & Accuracy

When requesting quotes or applying for coverage through our platform, you agree to:

• Provide truthful, current, and complete information about yourself and your health history
• Maintain and update your account details promptly when changes occur
• Protect your login credentials and notify us immediately of any unauthorized access
• Accept responsibility for all activities conducted through your account
• Answer all health and lifestyle questions accurately during the application process

Prohibited Activities

You agree not to engage in any conduct that may harm our services or compromise their integrity. Prohibited actions include but are not limited to:

• Submitting false or misleading information on insurance applications
• Attempting to obtain coverage through fraudulent means or misrepresentation
• Filing fraudulent claims or submitting falsified documentation
• Attempting to gain unauthorized access to our systems or client data
• Using automated tools to submit multiple quote requests or applications
• Harassing, threatening, or harming our employees, agents, or other users
• Violating any applicable insurance laws or regulations

Ownership of Materials

All content available on our website, including but not limited to:

• Text, graphics, logos, and images related to insurance services
• Application forms, policy documents, and underwriting guidelines
• Website design, layout, and structure
• Software, code, and technical infrastructure
• Trademarks, service marks, and trade names including "Get Final Expense Quotes"
• Educational materials, guides, and resources about final expense planning

are owned by or licensed to Get Final Expense Quotes. You may not reproduce, distribute, modify, or create derivative works without our express written consent, except for personal, non-commercial use related to obtaining insurance services.

Use of Your Information

By submitting information through our platform, you grant us the necessary rights to:

• Process your insurance applications with partner carriers
• Obtain quotes and facilitate policy issuance on your behalf
• Maintain records as required by insurance regulations
• Communicate with carriers, underwriters, and regulatory authorities as needed
• Provide ongoing policy administration and customer support

You warrant that all information you provide is accurate and that you have the authority to submit it for insurance purposes.

Scope of Services

Get Final Expense Quotes provides insurance agency services including:

• Comparing quotes from multiple insurance carriers
• Assisting with applications and underwriting processes
• Facilitating policy placement with licensed insurance companies
• Providing ongoing policy administration and customer service
• Assisting with claims and beneficiary support
• Offering educational resources about final expense planning

We operate as an insurance agency, not as an insurance carrier. All policies are issued by licensed insurance companies, and coverage is subject to their underwriting approval.

Important Limitations

Please be aware of the following important limitations:

• Coverage approval and premium rates are determined by insurance carriers based on your application
• Not all applicants will qualify for coverage or receive preferred rates
• Policy terms, conditions, and exclusions are established by the issuing carrier
• We are not responsible for carrier decisions regarding applications, claims, or policy changes
• Insurance availability and options vary by state due to regulatory requirements
• We may receive compensation from carriers for policies placed through our agency

Privacy Practices

Your use of our services is governed by our Privacy Policy, which explains how we collect, use, and protect your personal and health information. By using our platform, you consent to:

• The collection and use of your information as described in our Privacy Policy
• Sharing your information with insurance carriers for underwriting purposes
• Disclosure to service providers necessary for policy administration
• Sharing with regulatory authorities as required by law

Health Information Protection

In providing insurance services, we may collect sensitive health information. We comply with applicable privacy laws including:

• The Health Insurance Portability and Accountability Act (HIPAA) where applicable
• State-specific insurance privacy regulations
• Industry standards for protecting sensitive data
• Contractual obligations with our carrier partners

Your health information will only be used for insurance underwriting, policy administration, and as permitted or required by law.

Service Availability

Our services are provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, regarding:

• The availability, reliability, or uninterrupted operation of our platform
• Approval of insurance applications or specific premium rates
• Accuracy or completeness of information provided through our services
• Freedom from errors, viruses, or other harmful components
• Fitness for a particular purpose or merchantability
• Non-infringement of third-party rights

To the maximum extent permitted by law, we disclaim all warranties, whether express, implied, or statutory.

Limitations on Damages

To the fullest extent permitted by applicable law, Get Final Expense Quotes and its affiliates, officers, employees, and agents shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Service interruptions or system unavailability
• Insurance claim denials or delays by carriers
• Changes in premium rates or coverage terms by insurance companies
• Carrier underwriting decisions or policy administration

Your Responsibility

You agree to indemnify, defend, and hold harmless Get Final Expense Quotes and its affiliates, officers, directors, employees, and agents from any claims, losses, liabilities, damages, expenses, or costs (including reasonable attorneys' fees) arising from:

• Your use or misuse of our services
• Violation of these Terms and Conditions
• Infringement of any third-party rights
• False, misleading, or incomplete information provided in applications
• Fraudulent insurance applications or claims
• Violation of applicable laws or regulations

This indemnification obligation will survive termination of your relationship with Get Final Expense Quotes.

Applicable Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of laws principles, except where preempted by federal law.

Dispute Resolution

Any dispute arising out of or relating to these Terms or your use of our services shall be resolved exclusively in the state or federal courts located in Loudoun County, Virginia. You consent to the personal jurisdiction and venue of such courts.

Updates and Revisions

We reserve the right to modify or update these Terms and Conditions at any time without prior notice. When changes occur:

• The "Effective Date" at the top of this page will be updated
• We may post a notice on our website for significant modifications
• Material changes affecting existing policies may require additional notice
• Your continued use of our services after changes constitutes acceptance of the revised terms

We encourage you to review these Terms periodically to stay informed about your rights and obligations.