FAMILY PRIORITY LIFE – TERMS OF SERVICE Last Updated: June 4, 2026

Welcome to Family Priority Life (the "Website"). Please read these Terms of Service ("Terms") carefully before using our website or submitting any lead generation forms. By accessing or using our Website, you agree to be bound by these Terms and our Privacy Policy.

1. Scope of Service

Family Priority Life operates strictly as an administrative marketing referral service and lead generator. We are not a licensed insurance carrier, and we do not sell, solicit, negotiate, or issue life insurance policies. We do not represent any specific insurance carrier. Any quote estimates or illustrative rates shown on this Website are for educational and comparison purposes only and do not constitute an offer of coverage.

2. Accuracy of Quotes and Underwriting Disclaimer

All life insurance policy rates, terms, and availability are determined solely by the independent, third-party underwriting guidelines of our partner carriers. Family Priority Life makes no guarantees that you will qualify for any specific rate, policy type, or coverage amount displayed on this site. Final premiums are determined following formal medical exams, health history checks, and official underwriting reviews by the issuing carrier.

3. Intellectual Property

All content, logos, designs, and text on this Website are the exclusive property of Family Priority Life. You may not copy, reproduce, or distribute any part of this Website without our prior written consent. All third-party carrier trademarks and logos are the property of their respective owners.

4. Limitation of Liability & Warranty Disclaimer

THE WEBSITE AND ALL ESTIMATED QUOTE DATA ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, FAMILY PRIORITY LIFE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED.

IN NO EVENT SHALL FAMILY PRIORITY LIFE, ITS DIRECTORS, OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF THE WEBSITE, OR YOUR ENGAGEMENT WITH ANY THIRD-PARTY INSURANCE AGENTS OR CARRIERS REFERRED THROUGH OUR PLATFORM.

5. Dispute Resolution & Mandatory Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration in [Your City, State] before one arbitrator. This agreement is governed by the Federal Arbitration Act. You agree that you may only bring claims against Family Priority Life in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

6. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law principles.