1. Acceptance of these terms
By using this website or calling our phone line, you agree to these Terms and Conditions and to our Privacy Policy. If you do not agree, please do not use the site or call us.
2. Who we are and what we do
Final Expenses FAQ is a private company that operates an information and call connection service. When you call, we may connect you with a licensed insurance agent or agency who can discuss final expense and other life insurance options available in your state. We are not an insurance carrier and we do not issue, underwrite or administer insurance policies.
Final Expenses FAQ is not affiliated with, endorsed by, or connected to the U.S. government, the Social Security Administration, Medicare, the Centers for Medicare & Medicaid Services (CMS), or any other government agency. Your state department of insurance can answer questions about licensed agents and insurers in your state.
3. No guarantee of eligibility, coverage or savings
Information on this site is general and educational. It is not legal, tax, financial or medical advice. Eligibility for any policy, including approval, premium and any waiting period, is determined by the insurance carrier and depends on your age, health, state and the product. We do not guarantee that you will qualify for, be approved for, or save money on any policy. Product availability, benefits and premiums vary by state and can change over time. Examples and ranges on this site are typical, not quotes.
4. Agents and plan availability
Agents you speak with are independent professionals or employees of licensed agencies. They are responsible for the advice and application services they provide. No agent represents every carrier or every product in your area. Any decision to buy is yours, and any policy is a contract between you and the insurance carrier.
5. Compensation disclosure
Final Expenses FAQ and the agents or agencies we work with may receive compensation from insurance carriers or from each other when a call or sale results from our service. You do not pay a fee to us for speaking with an agent. Compensation may affect which policies an agent is able to offer, so please ask the agent which carriers they represent.
6. Phone calls, recording and monitoring
Calls may be recorded and monitored for quality assurance, training, compliance and recordkeeping. We will tell you at the start of a call if it is being recorded. By continuing the call you consent to the recording. If you do not want a call recorded, you may end the call.
7. Permitted use of the website
You agree not to:
- Use the site in a way that violates any law or regulation
- Attempt to interfere with the site, its security, or other visitors
- Copy, scrape or reproduce site content at scale without our written permission
- Use the site to submit false, misleading or another person's information
8. Intellectual property
The text, graphics, layout and code on this site belong to Final Expenses FAQ or its licensors and are protected by copyright and trademark law. Names of insurance carriers belong to their respective owners and are used only to describe what they are.
9. Third party links and services
The site may link to websites run by others, such as state insurance regulators or carriers. We do not control those sites and are not responsible for their content or practices.
10. Disclaimer of warranties
The site and our service are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, fitness for a particular purpose, and uninterrupted availability.
11. Limitation of liability
To the fullest extent permitted by law, Final Expenses FAQ and its owners, employees and partners are not liable for indirect, incidental, special or consequential damages arising from your use of the site or service, or from decisions you make about insurance coverage or end-of-life planning. Nothing in these terms limits liability that cannot be limited under applicable law.
12. Changes to these terms
We may update these terms from time to time. The date at the top of this page shows when they were last revised. Continued use of the site after a change means you accept the updated terms.
13. Contact us
Questions about these terms can be sent to contact@finalexpensesfaq.com or by phone at (800) 555-0100, Monday to Friday, 8 a.m. to 8 p.m. EST. Mailing address: Final Expenses FAQ, 11 Hidden Brook Dr, Brookfield, CT 06804. See also our Partners page.