Terms of Use

Welcome to Silver Final Expense Guide, a brand owned and operated by Insurance Lead Company LLC. By accessing or using our website, you agree to be bound by these Terms of Use. Please read them carefully. If you do not agree with these terms, you should not use this website.

1. About Silver Final Expense Guide

Silver Final Expense Guide is a brand of Insurance Lead Company LLC. We are not an insurance company. We do not issue insurance policies, provide insurance quotes, guarantee coverage, or make eligibility or approval decisions. We are a lead generation service that provides educational information about final expense insurance and connects individuals with independent, licensed insurance professionals, agencies, and carriers who can provide quotes, guidance, and coverage options.

All insurance products, quotes, coverage decisions, policy terms, and eligibility determinations are made solely by licensed insurance agents or insurance carriers, not by Silver Final Expense Guide or Insurance Lead Company LLC.

2. Acceptance of Terms

By using this website, submitting information through our forms, or interacting with our advertising (including on platforms such as Meta/Facebook, Instagram, or Google), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy.

If you do not agree to these terms, you must discontinue use of our website immediately.

3. No Guarantees or Warranties

Silver Final Expense Guide makes no guarantees, representations, or warranties regarding:

• Availability of insurance coverage or quotes
• Eligibility for any insurance product
• Premium rates, policy terms, or coverage amounts
• Approval or acceptance by any insurance carrier or agent
• The accuracy, completeness, or timeliness of information provided by third-party insurance professionals

All insurance decisions are made by independent insurance professionals or carriers. We do not control or guarantee their actions, advice, or services.

4. User Responsibilities

When using our website or submitting information, you agree to:

• Provide accurate information: You are responsible for ensuring that all information you provide is truthful, accurate, current, and complete.
• Update information: You agree to update any information you have provided if it changes.
• Use the website lawfully: You agree to use our website only for lawful purposes and in accordance with these Terms.
• Cooperate with insurance professionals: If you request to be connected with licensed insurance professionals, you agree to respond to their communications in good faith.

Providing false, misleading, or inaccurate information may result in denial of coverage, cancellation of policies, or legal consequences. You are solely responsible for the accuracy of the information you submit.

5. Prohibited Uses

You agree not to use this website for any unlawful or prohibited purpose, including but not limited to:

• Submitting false, fraudulent, or misleading information
• Attempting to gain unauthorized access to our systems or data
• Using automated tools, bots, or scrapers to collect data from our website
• Distributing spam, viruses, malware, or harmful code
• Harassing, abusing, or threatening our staff or partners
• Violating any applicable laws or regulations
• Interfering with the proper functioning of the website

We reserve the right to terminate or restrict your access to our website if you violate these terms.

6. Third-Party Insurance Professionals

When you request information or assistance, we may connect you with independent, licensed insurance professionals, agencies, or carriers. These third parties are not employees or agents of Silver Final Expense Guide. They operate independently under their own terms, policies, and licenses.

We are not responsible for:

• The actions, advice, or services provided by third-party insurance professionals
• The accuracy or completeness of quotes or information they provide
• Their compliance with insurance laws or regulations
• Any disputes, claims, or issues arising from your interactions with them
• Their privacy practices or use of your information

You agree that your interactions with third-party insurance professionals are solely between you and them.

7. Limitation of Liability

To the fullest extent permitted by law, Silver Final Expense Guide, Insurance Lead Company LLC, and their respective owners, employees, contractors, and partners shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to:

• Your use of or inability to use our website
• Any information, advice, or services provided by third-party insurance professionals
• Denial of coverage, ineligibility, or unfavorable insurance terms
• Errors, omissions, or inaccuracies in information on our website
• Unauthorized access to or alteration of your data
• Any other matter relating to our services

In no event shall our total liability exceed the amount you paid to us (if any) for using our services.

8. Indemnification

You agree to indemnify, defend, and hold harmless Silver Final Expense Guide, Insurance Lead Company LLC, and their respective owners, employees, contractors, and partners from and against any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of our website
• Your violation of these Terms of Use
• Your violation of any applicable laws or regulations
• Your submission of false, misleading, or inaccurate information
• Your interactions with third-party insurance professionals

9. Intellectual Property

All content on this website, including text, graphics, logos, images, design elements, and software, is the property of Insurance Lead Company LLC or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use any content from this website without our prior written permission.

10. Modification of Terms

We reserve the right to modify, update, or change these Terms of Use at any time. Any changes will be posted on this page with an updated effective date. Your continued use of the website after any changes constitutes your acceptance of the new terms.

We encourage you to review these Terms periodically to stay informed of any updates.

11. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law principles. Any disputes arising out of or related to these terms or your use of our website shall be resolved in the appropriate courts of the United States.

12. Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

13. SMS Communications

Program Description: When you submit your information through our website, online advertising platforms (including Meta/Facebook, Instagram, or Google), or any associated lead form, you may receive text messages (SMS) from Insurance Lead Company LLC (doing business as Silver Final Expense Guide) and from licensed insurance professionals we connect you with. These messages may include information about final expense insurance options, coverage details, quotes, service updates, and other communications related to your request for insurance information.

Opt-Out Instructions: You can opt out of receiving text messages at any time by replying STOP to any message you receive. Once you reply STOP, you will no longer receive SMS messages from that sender. You may also contact us at [email protected] to opt out.

Help Instructions: If you need assistance or have questions about our text messaging program, reply HELP to any message or contact us at [email protected].

Message Frequency: Message frequency may vary depending on your requests and interactions with insurance professionals. You may receive multiple messages per week during active communication periods.

Message and Data Rates: Message and data rates may apply. Standard text messaging rates from your mobile carrier will apply to all SMS messages sent and received. Please check with your mobile carrier for details about your messaging plan.

Carrier Liability: Carriers are not liable for delayed or undelivered messages. Delivery of SMS messages depends on your mobile carrier and network conditions, and we cannot guarantee timely delivery or receipt of messages.

Age Restriction: You must be at least 18 years old to use this service and receive text messages. By providing your phone number and opting in to receive SMS communications, you confirm that you are 18 years of age or older.

Program Operator: The SMS messaging program is operated by Insurance Lead Company LLC and is associated with Silver Final Expense Guide. Messages may also be sent by independent, licensed insurance professionals, agencies, or carriers that we connect you with.

14. Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Insurance Lead Company LLC (doing business as Silver Final Expense Guide) regarding your use of our website and supersede all prior agreements or understandings.