These terms govern your use of this website. By browsing the site or submitting a quote request, you agree to them. If you do not agree, please do not use the site.
1. Who operates this website
This site is operated by Rooted Family Insurance, an independent insurance agency. We provide general information about final expense life insurance and a way to ask a licensed insurance professional to contact you. We are not an insurance carrier: we do not underwrite policies, issue them or decide claims.
2. This is not an offer of insurance
Nothing on this website is an offer to sell, or a solicitation to buy, insurance in any state where we or the responsible agent are not licensed. No application is accepted and no coverage is bound, issued or in force through this website.
Coverage begins only when a carrier approves an application and issues a policy. What a policy actually covers — its benefits, premiums, waiting periods, limitations and exclusions — is governed entirely by the policy the carrier issues and by the law of the state where it is issued. Where anything on this site differs from the policy, the policy controls. Product availability and eligibility vary by state, by carrier and by applicant.
3. No professional advice
The content here is general information, not legal, tax, financial or estate-planning advice, and it is not tailored to your circumstances. Speak to a qualified professional before making a decision that depends on your own situation.
4. Quote requests and how we contact you
When you submit the quote form you agree that the details you give are your own, accurate, and that the phone number belongs to you. Submitting a request does not create any insurance coverage and does not obligate either of us to do anything further.
If you tick the consent box, you are giving express written consent to be contacted at the number and address you provided, including by autodialed and prerecorded calls and by text message. That consent is not a condition of buying anything, and you can withdraw it at any time. How we use and share what you send is set out in our Privacy Policy.
5. Accuracy and availability
We try to keep this site accurate and current, but carrier products, rates and rules change, and parts of the site may become out of date or contain errors. We may change, suspend or withdraw any part of the site at any time, and we do not promise it will always be available or uninterrupted.
6. Acceptable use
You agree not to:
- Submit false information, or someone else’s details without their permission.
- Use the site unlawfully, or to interfere with its operation or security.
- Scrape, harvest or automatically collect content or data from the site.
- Copy, republish or resell any part of the site for commercial purposes without our written permission.
7. Intellectual property
The name, logo, text, images, layout and design of this site belong to us or to our licensors and are protected by copyright and trademark law. You may view and print pages for your own personal use. Carrier names and marks belong to the carriers and are used only to identify them.
8. Links to other sites
This site may link to carrier or other third-party websites. We do not control them, we are not responsible for their content, products or privacy practices, and a link is not an endorsement.
9. Disclaimer of warranties
This website and its content are provided “as is” and “as available”, without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy or non-infringement. Some states do not allow certain warranties to be excluded, so parts of this section may not apply to you.
10. Limitation of liability
To the fullest extent the law allows, we are not liable for any indirect, incidental, special, consequential or punitive damages, or for any lost profits or lost data, arising out of your use of this website — even if we were told such damages were possible. Nothing in these terms limits liability that cannot lawfully be limited, and nothing here affects your rights under any insurance policy a carrier issues to you. Some states do not allow these limits, so parts of this section may not apply to you.
11. Indemnity
You agree to cover our reasonable losses and legal costs arising from your misuse of this website or your breach of these terms.
12. Governing law
These terms are governed by the laws of the state in which our agency is domiciled, without regard to its conflict-of-laws rules. [ Set governing_state in the site configuration to name that state here. ] This does not override any mandatory consumer protection or insurance law of the state where you live, and it does not affect the terms of any policy a carrier issues to you. If any part of these terms is held unenforceable, the rest continues to apply.
13. Changes to these terms
We may update these terms from time to time. The current version is always on this page, with the date it last changed shown at the top. Continuing to use the site after a change means you accept the updated terms.
14. Contact
Questions about these terms:
Rooted Family Insurance
[ Mailing address ]
[ Phone number ]
[ Email address ]