🛡️ Terms of Service
Last Updated: September 17, 2025
🏛️ Professional Insurance Services: These terms govern your use of PlanForFam's licensed insurance services and digital platforms.
📋 1. Agreement to Terms
By using our website, submitting lead forms, or engaging with our licensed insurance professionals, you agree to these Terms of Service and our Privacy Policy.
🏢 2. About Our Services
Licensed Professional Services
- We are licensed insurance professionals authorized to offer life insurance products
- Products are not available in all states (not licensed in: WA, WY, SD, IA, WI, NY, VT, NH, RI, ME, CT)
- All services comply with state insurance regulations
- We work with one A-rated insurance carrier to provide coverage options
Coverage Types
- Term Life Insurance: Temporary coverage for specific term periods
- Whole Life Insurance: Permanent coverage with cash value
- Final Expense Insurance: Permanent coverage for end-of-life costs
📱 3. Facebook Lead Forms & Digital Marketing
When You Submit Information:
- You are requesting consultation from licensed insurance professionals
- Your information is securely transferred to our CRM system (GoHighLevel)
- Data is shared between Facebook/Meta and our systems for lead processing
- A licensed professional will contact you within 48 hours
📞 4. Communication Consent (TCPA Compliance)
⚠️ Important Consent: By providing your phone number through any form or lead submission:
- You consent to receive calls and text messages from our licensed professionals
- Communications will be regarding insurance services you've requested
- Message and data rates may apply
- You can opt-out at any time by replying STOP to text messages
💼 5. Insurance Application Process
- All applications are subject to underwriting approval
- Coverage and rates vary by age, health, gender, and state
- Initial consultations are provided at no cost with no obligation to purchase
- Final coverage terms are determined by our insurance carrier
🔒 6. Data Protection & Privacy
- We protect your information with industry-standard security measures
- Information is only shared with our licensed insurance carrier for legitimate business purposes
- We do NOT sell your personal information to third parties
- See our Privacy Policy for complete details
⚖️ 7. Legal Disclaimers
- This website and services are not an offer to sell insurance where prohibited by law
- Insurance products and availability vary by state
- Premium estimates are subject to underwriting and may vary
- Licensed professionals provide information and guidance, not legal or tax advice
🚫 8. Prohibited Uses
You may not use our services to:
- Provide false or misleading information
- Attempt to circumvent licensing or regulatory requirements
- Interfere with our systems or security measures
- Use our services for illegal purposes
📝 9. Modifications
We reserve the right to modify these terms at any time. Updated terms will be posted on this page with a new "Last Updated" date.
⚖️ 10. Governing Law
These terms are governed by the laws of the states where we are licensed to conduct business. Insurance matters are subject to state insurance regulations.
📞 Contact Information
🛡️ Insurance Services & General Questions
Email: [email protected]
Phone: (229) 475-0496
Website: www.planforfam.com
Response Time: Within 48 hours
🔒 Privacy & Terms Questions
Email: [email protected]
Response Time: Within 48 hours
⚖️ Regulatory Information
State Insurance Departments: Contact your state's insurance regulatory authority
NAIC Consumer Information: www.naic.org
Professional Licensing Verification: Available upon request
🤝 Thank you for choosing PlanForFam for your family's insurance needs. Our licensed professionals are committed to providing you with reliable, compliant service.