Privacy Policy

At finalexpense-coverage ("we," "us," or "our"), we respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, and safeguard your information when you visit finalexpense-coverage.com or contact us by phone, email, or our online forms to request final expense insurance information.

1. Information We Collect

• Contact Information: Your name, phone number, email address, and mailing address.
• Insurance Details: Age, date of birth, gender, tobacco use, general health information, desired coverage amount, and beneficiary details you choose to provide.
• Communication Records: Notes and recordings from phone calls, emails, and messages regarding your quote or policy.
• Technical Data: IP address, browser type, and pages visited, collected automatically via cookies and analytics tools.

2. How We Use Your Information

• Provide final expense insurance quotes and match you with licensed agents and carriers.
• Respond to your inquiries and provide customer service on new or existing policies.
• Send updates about your application, policy status, or coverage options.
• Improve our website, marketing, and customer experience.
• Comply with insurance regulations, legal obligations, and fraud prevention.

3. Consent To Contact (TCPA)

By submitting your information or calling us, you consent to be contacted by finalexpense-coverage and its licensed insurance agents at the phone number and email you provide — including by automatic telephone dialing system, pre-recorded message, or SMS — even if your number is on a Do Not Call list. Consent is not a condition of purchase. Message and data rates may apply. You may opt out at any time by replying STOP or by calling +1 (844) 484-2305.

4. Sharing Your Information

• With licensed insurance agents, agencies, and carriers who can provide the coverage you requested.
• With service providers who help us operate (hosting, CRM, analytics), under confidentiality agreements.
• When required by law, regulation, court order, or to protect our legal rights.
• In connection with a merger, acquisition, or sale of all or part of our business.

5. Cookies & Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, analyze traffic, and remember your preferences. You may disable cookies through your browser settings, but some features may not function properly as a result.

6. Data Security

We implement reasonable technical, administrative, and physical safeguards to protect your personal and health-related information. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

7. Your Privacy Rights

• Access, correct, or delete the personal information we hold about you.
• Opt out of marketing calls, texts, and emails at any time.
• Request a copy of the data we have collected from you.
• Withdraw consent for data processing where applicable.

8. Third-Party Links

Our website may contain links to carrier or third-party websites. We are not responsible for their privacy practices or content and encourage you to review their policies.

9. Children's Privacy

Our services are intended for adults age 18 and older. We do not knowingly collect personal information from children under 13.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The updated policy will be posted on this page with a revised "Last Updated" date.

11. Contact Us

Terms & Conditions

These Terms and Conditions ("Terms") govern your use of the finalexpense-coverage website and services. By accessing our website, calling our phone numbers, or requesting an insurance quote, you agree to be bound by these Terms. If you do not agree, please discontinue use of our services.

1. Services Provided

finalexpense-coverage is an insurance marketing and referral service that connects consumers with licensed insurance agents and carriers offering final expense, burial, whole life, guaranteed issue, and related senior insurance products. We are not an insurance company and do not underwrite, issue, or pay claims on any policy.

2. Quotes & Eligibility

• All quotes are estimates based on the information you provide and are not a guarantee of coverage or final premium.
• Final rates and approval are determined solely by the issuing insurance carrier based on age, state, health answers, and tobacco use.
• Product availability, benefit amounts, and waiting periods vary by state and carrier.
• You must be the person named on the application or have legal authority to apply on their behalf.

3. Policy Terms Control

Nothing on this website amends, extends, or alters any insurance policy. The actual policy contract issued by the carrier governs all coverage, exclusions, limitations, graded or waiting periods, and claim payments. Please read your policy documents carefully upon delivery.

4. Your Responsibilities

• Provide accurate, complete, and truthful information on any application.
• Understand that misstatements may result in denial of a claim or rescission of the policy by the carrier.
• Pay premiums on time to keep coverage in force.
• Review your policy during the free-look period provided by your state.

5. Communications & Consent

By providing your phone number or email, you consent to receive calls, texts, and emails from us and our licensed agent partners, including autodialed and pre-recorded messages. Consent is not a condition of purchase. Calls may be recorded for quality and compliance purposes. You may opt out at any time.

6. No Professional Advice

Content on this website is for general informational purposes only and is not legal, tax, financial, or medical advice. Consult a qualified professional before making decisions about insurance or estate planning.

7. Intellectual Property

All content, logos, text, graphics, and layout on this website are the property of finalexpense-coverage and may not be copied, reproduced, or redistributed without written permission.

8. Limitation of Liability

To the fullest extent permitted by law, finalexpense-coverage is not liable for any indirect, incidental, or consequential damages arising from your use of this website, reliance on its content, or any action or omission of an insurance carrier or third-party agent.

9. Third-Party Links

Our site may link to carrier or partner websites. We do not control and are not responsible for their content, products, or practices.

10. Governing Law

These Terms are governed by the laws of the State of New Hampshire, without regard to conflict of law principles. Any dispute shall be resolved in the state or federal courts located in New Hampshire.

11. Changes to These Terms

We may update these Terms at any time. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

12. Contact Us