Terms & Conditions

1. Acceptance of Terms

By accessing or using the myfinalexp.com website ("Site") and services ("Services"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, you may not use our Site or Services.

These Terms constitute a legally binding agreement between you and myfinalexp.com ("Company," "we," "us," or "our"). Your use of our Services is also governed by our Privacy Policy, which is incorporated by reference into these Terms.

2. Description of Services

myfinalexp.com provides final expense insurance services, including:

• Online insurance applications and quotes
• Policy management tools and customer portal
• Customer support and claims assistance
• Educational resources about final expense insurance
• Premium payment processing

We act as an intermediary between customers and licensed insurance carriers. All insurance policies are underwritten and issued by our partner insurance companies, not by myfinalexp.com directly.

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have legal capacity to enter into a binding contract
• Reside in a state where our services are available
• Provide accurate and complete information during the application process
• Meet the underwriting requirements of our insurance partners

By using our Services, you represent and warrant that you meet all eligibility requirements.

4. User Accounts

Account Creation

To access certain features of our Services, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as needed
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized use of your account

Account Responsibility

You are responsible for all activities that occur under your account. We are not liable for any loss or damage arising from your failure to secure your account credentials.

5. Insurance Policies

Policy Terms

All insurance policies are subject to the terms and conditions set forth in the policy documents issued by our insurance carrier partners. In case of conflict between these Terms and your policy documents, the policy documents shall control.

Underwriting Process

All applications are subject to underwriting approval by our insurance partners. We reserve the right to:

• Request additional information or documentation
• Require medical examinations when necessary
• Modify coverage amounts or terms based on underwriting requirements
• Decline applications that do not meet underwriting criteria

Free Look Period

Most policies include a free look period during which you may cancel your policy for a full refund. The specific terms and duration of the free look period are outlined in your policy documents.

6. Payments and Billing

Premium Payments

You agree to pay all premiums when due according to your chosen payment schedule. Payment methods may include:

• Electronic funds transfer (ACH)
• Credit or debit card
• Check or money order

Late Payments

If premiums are not paid when due, your policy may lapse according to the terms specified in your policy documents. Grace periods and reinstatement options vary by policy.

Processing Fees

We may charge reasonable processing fees for certain transactions, including returned payments, policy changes, or special services. All fees will be disclosed before processing.

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy. By using our Services, you consent to the practices described in our Privacy Policy.

8. Prohibited Uses

You agree not to use our Services for any unlawful purpose or in any way that could damage, disable, or impair our Services. Prohibited uses include:

• Providing false or misleading information
• Attempting to circumvent security measures
• Using automated systems to access our Services without permission
• Engaging in fraudulent activities
• Violating any applicable laws or regulations

9. Intellectual Property

All content on our Site, including text, graphics, logos, images, and software, is the property of myfinalexp.com or our licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

10. Disclaimers and Limitations

Service Disclaimers

Our Services are provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including warranties of merchantability and fitness for a particular purpose.

Limitation of Liability

To the fullest extent permitted by law, myfinalexp.com shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Services.

Insurance Coverage

We make no representations or warranties regarding insurance coverage or claims payments, which are the responsibility of the issuing insurance companies.

11. Termination

We may terminate or suspend your access to our Services at any time, with or without cause, with or without notice. Upon termination, your right to use our Services will cease immediately.

Insurance policies remain in effect according to their terms even if your access to our Services is terminated, subject to continued premium payments.

12. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in San Rafael, California.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated through:

• Email notification to registered users
• Prominent notice on our website
• Updated "Last Modified" date

Continued use of our Services after changes become effective constitutes acceptance of the modified Terms.

14. Contact Information

If you have questions about these Terms & Conditions, please contact us: