Terms of service

Terms of Service
Welcome to the FinCoverage LLC website. By accessing this website or using our services, you agree to these Terms of Service.

Services
FinCoverage LLC provides information and assistance relating to life insurance and annuity products, including Term Life Insurance and Indexed Universal Life Insurance. Product availability, pricing, eligibility, underwriting decisions, and policy terms are determined by the applicable insurance carrier.

Information provided on this website is for general educational purposes and is not a guarantee of coverage, premium, policy approval, cash value performance, or benefits.

Eligibility
You must be at least 18 years old or have permission from a legal guardian to use our services. Insurance products are available only in states where FinCoverage LLC or its agents are properly licensed.

FinCoverage SMS Messaging Program
By voluntarily providing your mobile phone number and expressly opting in to receive text messages from FinCoverage LLC, you agree to receive SMS or MMS messages related to:

Life insurance inquiries and quote requests
Follow-up communications
Appointment confirmations and reminders
Requested insurance information
Customer service and account-related communications
Occasional promotional or marketing messages, when separately authorized
Message frequency varies based on your interaction with FinCoverage LLC. Message and data rates may apply.

Consent to receive text messages is not a condition of purchasing any product or service.

You may cancel the SMS service at any time by replying STOP to any message. After you reply STOP, you may receive one final confirmation message, and no additional messages will be sent unless you opt in again.

For assistance, reply HELP to any message or contact FinCoverage LLC at:

Phone: 612-712-1289
Email: [email protected]

Wireless carriers are not liable for delayed or undelivered messages.

Your mobile information, phone number, and SMS consent will not be sold, rented, or shared with third parties or affiliates for marketing or promotional purposes. Please review our Privacy Policy for more information.

Intellectual Property
All website content, designs, logos, graphics, and written materials are owned by or licensed to FinCoverage LLC and are protected by applicable intellectual-property laws. You may not reproduce, distribute, modify, or use these materials without written permission.

No Guarantee of Coverage
Submitting a quote request or communicating with FinCoverage LLC does not create insurance coverage. Coverage begins only after an application is approved by the insurance carrier, all required conditions are satisfied, and the policy is placed in force.

Quoted premiums are estimates based on information available at the time of the quote and may change following underwriting.

Limitation of Liability
FinCoverage LLC makes reasonable efforts to provide accurate information but does not guarantee that all website content is complete, current, or error-free. To the extent permitted by law, FinCoverage LLC is not responsible for losses arising from reliance on general website information.

Privacy Policy
Use of our website and services is also governed by our Privacy Policy, which explains how personal information is collected, used, and protected.

Changes to These Terms
FinCoverage LLC may update these Terms of Service periodically. Continued use of the website after updates are published constitutes acceptance of the revised terms.

Contact Us
FinCoverage LLC
Email: [email protected]
Phone: 612-712-1289