Terms of Service - PlanForFam Professional Insurance Services

πŸ›‘οΈ Terms of Service

Last Updated: September 17, 2025
πŸ›οΈ Professional Insurance Services: These terms govern your use of PlanForFam's licensed insurance services and digital platforms.

πŸ“‹ 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

πŸ“± 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

πŸ“ž 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

πŸ’Ό 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

πŸ”’ 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

βš–οΈ 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

πŸ“ 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.

βš–οΈ 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.

πŸ“ž Contact Information

πŸ›‘οΈ Insurance Services & General Questions

Email: [email protected]
Phone: (470) 632-1843
Website: www.planforfam.com
Response Time: Within 48 hours

πŸ”’ Privacy & Terms Questions

Email: [email protected]
Response Time: Within 48 hours

βš–οΈ 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.