1. Acceptance of Terms
By accessing or using the Easy Final Coverage website ("Site") or any services offered through it, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use this Site. We reserve the right to modify these Terms at any time, and your continued use of the Site constitutes acceptance of any changes.
2. Description of Services
Easy Final Coverage operates as an independent insurance marketing organization (IMO). Our website provides general information about final expense life insurance products and connects consumers with licensed insurance agents who may provide personalized quotes and coverage options. We do not directly sell or underwrite insurance policies.
3. Not Insurance Advice
The information on this website is for general informational purposes only. It does not constitute professional insurance advice, legal advice, or financial advice. Coverage options, premiums, availability, and eligibility vary by state, carrier, age, and individual health history. Always consult with a licensed insurance professional before making any coverage decisions.
4. Eligibility
You must be at least 18 years of age to use this Site or submit a quote request. By using this Site, you represent and warrant that you are at least 18 years old. Our insurance products are generally marketed to individuals between the ages of 45 and 85, though eligibility is determined by the insurance carrier.
5. User Responsibilities
You agree to:
- Provide accurate, complete, and truthful information when submitting requests
- Use the Site only for lawful purposes
- Not attempt to interfere with the security or operation of the Site
- Not use the Site to transmit spam, malware, or harmful content
- Not misrepresent your identity or affiliation
6. Communications Consent
By submitting a quote request or contact form on this Site, you expressly consent to receive communications from Easy Final Coverage and its licensed insurance partners, including phone calls, emails, and SMS/text messages. You agree that such communications may be made using automated dialing systems or pre-recorded messages, even if your number is registered on a federal or state Do Not Call list. You may opt out at any time by contacting us or replying STOP to any text message.
7. No Guarantee of Coverage
Submission of a quote request does not guarantee insurance coverage, specific rates, or policy approval. All coverage is subject to underwriting review and approval by the applicable insurance carrier. Rates shown on this site are illustrative estimates only and are not binding quotes.
8. Intellectual Property
All content on this Site, including text, graphics, logos, and images, is the property of Easy Final Coverage or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any Site content without our express written permission.
9. Third-Party Links
Our Site may contain links to third-party websites. These links are provided for convenience only. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. Inclusion of a link does not imply our endorsement.
10. Disclaimer of Warranties
This Site and its content are provided "as is" and "as available" without any warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be error-free, uninterrupted, or free of viruses or other harmful components.
11. Limitation of Liability
To the fullest extent permitted by law, Easy Final Coverage and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising out of or in connection with your use of the Site or services, even if we have been advised of the possibility of such damages. Our total liability to you for any claim shall not exceed $100.
12. Indemnification
You agree to indemnify, defend, and hold harmless Easy Final Coverage and its affiliates, officers, agents, and employees from any claim, demand, liability, damages, costs, or expenses (including reasonable attorney's fees) arising out of your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which our principal place of business is located, without regard to conflict of law principles.
14. Dispute Resolution
Any disputes arising out of or relating to these Terms or your use of the Site shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction. You waive any right to participate in a class action lawsuit or class-wide arbitration.
15. Changes to Terms
We reserve the right to update these Terms at any time. Changes will be effective upon posting to the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
16. Contact Us
For questions about these Terms, please contact us:
- Email: legal@easyfinalcoverage.com
- Phone: (844) 213-7017
- Address: Easy Final Coverage, [Your Business Address], United States