Terms of Service

1. Agreement to these Terms

These Terms of Service ("Terms") govern your access to and use of the website operated by Forever Life Group ("Forever Life Group," "we," "us," or "our"), including its pages, forms, and linked appointment booking pages (together, the "Website"). By accessing or using the Website, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Website.

You must be at least 18 years old, or the age of majority where you live, to use the Website to submit information or schedule an appointment.

2. About Forever Life Group

Forever Life Group is a life insurance agency owned by Gerilyn Rodriguez (NPN 21265268), with an office at 5601 Powerline Rd, Fort Lauderdale, Florida 33309. Forever Life Group is an insurance agency, not an insurance company. Insurance policies are issued by insurance carriers, not by Forever Life Group.

Insurance products can be offered only in states where the agent is appropriately licensed and where the relevant carrier and product are available. Licensing information displayed on the Website is provided for informational purposes and may change; it can be verified through state insurance regulators or the National Insurance Producer Registry.

3. Informational purpose

Content on the Website, including descriptions of Final Expense insurance, Mortgage Protection life insurance, comparisons, FAQs, and other educational material, is provided for general informational purposes only. It is intended to help you understand common insurance concepts and prepare for a conversation.

Website content is not individualized insurance, legal, tax, financial, or medical advice, and it is not a quote, offer, solicitation in any state where such activity is not permitted, or contract of insurance. Recommendations about whether a particular product may be suitable for you can be made only after your individual circumstances are reviewed.

4. No coverage is created by this website

You should not assume you have insurance coverage until all applicable insurance requirements have been satisfied, including any application, underwriting, and initial premium requirements, and coverage has actually been approved and issued or bound by the insurance carrier as stated in the carrier's policy documentation. Any quote, estimate, or illustration discussed is not a guarantee of coverage, approval, premium, or benefit.

Forever Life Group cannot bind, issue, change, reinstate, or cancel insurance coverage through the Website. Requests to change or cancel an existing policy must be handled according to the carrier's procedures and policy terms. Do not cancel any existing insurance coverage until a replacement policy has been approved and is in force.

5. Products, availability, and eligibility

Insurance products and their features differ by carrier and are subject to many conditions. In particular:

• Product availability: Not every product, carrier, or feature is available to every person.
• State availability: Products and features vary by state, and some are not available in all states.
• Eligibility: Eligibility depends on factors such as age, health, residence, and carrier guidelines. No one is guaranteed to qualify.
• Underwriting: Carriers may ask health questions, review records, or apply other underwriting requirements, and they make all approval decisions.
• Premiums: Premiums vary by individual and product and are determined by the carrier.
• Benefits: Benefit amounts and features vary. Some policies include waiting periods, graded benefits, or reduced benefits during early policy years.
• Exclusions and limitations: Policies contain exclusions and limitations that can affect whether and how benefits are paid.
• Policy terms: The issued policy contract, riders, and carrier documentation govern coverage. If anything on the Website differs from the policy, the policy controls.
• Carrier requirements: Each carrier sets its own application, payment, and administrative requirements.

6. Final Expense information

Final Expense insurance is generally a form of life insurance, often a smaller whole life policy, that people may choose to help loved ones with end-of-life costs. Descriptions on the Website are educational and subject to the terms of any policy issued.

Forever Life Group does not represent or guarantee that a Final Expense policy will cover all funeral, burial, cremation, medical, or other end-of-life expenses; that it will pay all debts; or that any particular person will qualify. Death benefits are generally paid to the named beneficiary according to the policy, and Forever Life Group does not control how a beneficiary uses a benefit. Actual costs and needs vary, and coverage amounts should be considered in light of your own circumstances.

7. Mortgage Protection information

"Mortgage Protection," as used on the Website, refers to life insurance that a consumer may choose to own, typically with a coverage amount or term considered in relation to a mortgage. Any benefit is paid according to the policy terms, generally to the named beneficiaries, and not automatically to a lender.

Mortgage protection life insurance is distinct from, and is not:

• Private Mortgage Insurance (PMI), which lenders may require on certain loans and which primarily protects the lender
• Homeowners insurance, which generally covers certain damage to property and personal liability
• Mortgage lending, including loan origination, refinancing, or loan modification
• Loan servicing, including collecting payments or managing escrow accounts

Forever Life Group is not acting as a mortgage lender, broker, or servicer through the Website and does not offer loans. Forever Life Group is not affiliated with, endorsed by, or acting on behalf of your mortgage lender, bank, loan servicer, or any government agency or program. Obtaining mortgage protection life insurance does not change your loan terms, your mortgage payment, or any insurance your lender requires, and it does not guarantee that a mortgage balance will be fully paid.

8. Appointments

The Website lets you schedule a conversation about Final Expense or Mortgage Protection through booking pages operated by our scheduling provider. Scheduling reserves a time to talk. It does not obligate you to purchase anything, submit an application, or continue beyond the conversation.

Please provide accurate contact information so we can confirm and keep your appointment. You may reschedule or cancel using the options in your confirmation or by contacting us. We may need to reschedule appointments due to availability or unforeseen circumstances and will make reasonable efforts to let you know. Appointment availability is not guaranteed.

9. Electronic communications

By submitting a form, scheduling an appointment, or otherwise contacting us, you agree that we may communicate with you electronically, including by email and, where you have provided the required consent or where otherwise permitted by law, by phone call and text message, regarding your inquiry. These communications may include responses to your inquiry, appointment confirmations, reminders, rescheduling notices, follow-up you request, and reasonable follow-up related to the insurance topic you inquired about.

Consent to receive automated marketing calls or texts is not a condition of purchasing any insurance product or service. Message frequency varies, and message and data rates may apply. You may reply STOP to opt out of text messages or HELP for help, and you may change your communication preferences at any time by contacting us. Our handling of communications is further described in our Privacy Policy.

Where permitted by law, you agree that notices and disclosures we provide electronically satisfy any requirement that they be in writing. Insurance applications and policy documents may be subject to separate electronic-signature and delivery terms provided by the carrier.

10. Information you provide

You agree to provide accurate, current, and complete information and to submit only your own contact information or information you are authorized to provide. Do not submit another person's phone number or email address without their permission.

Please do not submit detailed health information, Social Security numbers, or financial account numbers through Website forms. If you choose to apply for insurance, the carrier will collect required information through its own application process. Providing false or incomplete information on an insurance application can affect eligibility, coverage, or claims under the policy.

11. Acceptable use

You agree not to:

• Use the Website for any unlawful, fraudulent, or deceptive purpose
• Submit false information, impersonate another person, or book appointments you do not intend to keep in order to disrupt scheduling
• Send spam, automated submissions, or unsolicited advertising through Website forms
• Attempt to gain unauthorized access to the Website, its systems, or other users' information
• Introduce viruses, malware, or other harmful code
• Scrape, harvest, or collect information from the Website by automated means without our written permission
• Interfere with or disrupt the Website's operation or security
• Copy, reproduce, or use Website content in violation of Section 13

We may restrict or terminate access to the Website for anyone who violates these Terms, to the extent permitted by applicable law.

12. Third-party services and links

The Website relies on third-party services, including website hosting, scheduling, CRM, messaging, and email platforms, and may link to third-party websites such as government or carrier sites. Your use of third-party websites is subject to their own terms and privacy policies. We do not control and are not responsible for the content, availability, or practices of third-party websites, and a link does not imply endorsement.

Insurance carriers are independent companies. Forever Life Group is not responsible for a carrier's underwriting decisions, policy administration, claims decisions, or financial obligations under a policy it issues.

13. Intellectual property

The Website and its content, including text, design, graphics, layout, logos, and the Forever Life Group name and branding, are owned by or licensed to Forever Life Group and are protected by applicable intellectual property laws. You may view and print Website content for your personal, non-commercial use. You may not copy, modify, distribute, republish, or create derivative works from Website content for commercial purposes without our prior written permission. Third-party names and marks, if any, belong to their respective owners.

14. Website availability

We aim to keep the Website available and working properly, but we do not guarantee uninterrupted or error-free access. The Website, forms, or booking pages may be unavailable at times due to maintenance, updates, technical issues, or circumstances beyond our control. We may modify, suspend, or discontinue any part of the Website at any time.

If a form or booking page does not work, please contact us directly using the information in Section 22. Do not assume a submission was received unless you receive a confirmation.

15. Accuracy of information

We try to keep Website content accurate and current, but insurance products, carrier guidelines, regulations, and licensing status change over time. Website content may contain errors, omissions, or outdated information, and we do not guarantee that it is complete or current. We may correct or update content at any time without notice. For decisions about coverage, rely on the carrier's official documentation and the policy contract.

16. Disclaimers

To the extent permitted by applicable law, the Website and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Forever Life Group does not warrant that the Website will be secure, uninterrupted, or free of errors or harmful components.

Nothing in these Terms limits any duties Forever Life Group or its licensed agent owes you under applicable insurance laws and regulations, or any rights you have under a policy issued by a carrier.

17. Limitation of liability

To the extent permitted by applicable law, Forever Life Group, its owner, and its representatives will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data or profits, arising out of or related to your use of, or inability to use, the Website or its content, even if advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of certain damages or warranties, so some of the limitations above may not apply to you. These Terms do not limit liability that cannot be limited under applicable law, including liability for gross negligence, willful misconduct, or fraud, and they do not waive any rights you have that cannot legally be waived.

18. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Forever Life Group, its owner, and its representatives from claims, losses, and reasonable expenses, including reasonable attorneys' fees, arising from your violation of these Terms, your misuse of the Website, or your submission of information you were not authorized to provide.

19. Governing law and venue

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles, except where the law of your state of residence is required to apply. To the extent permitted by applicable law, any dispute arising out of or relating to these Terms or the Website shall be brought in the state or federal courts located in Broward County, Florida, and you consent to the jurisdiction of those courts.

Nothing in this section affects consumer protections you may have under the laws of your state, and disputes relating to an insurance policy are governed by the terms of that policy and applicable insurance law.

20. Severability and general terms

If any provision of these Terms is found invalid or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect.

Our failure to enforce any provision is not a waiver of our right to do so later. These Terms, together with our Privacy Policy, are the entire agreement between you and Forever Life Group regarding use of the Website. They do not replace or modify any insurance application, policy, or carrier documentation, which are governed by their own terms. Headings are for convenience only.

21. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Changes take effect when posted unless a later date is stated. Your continued use of the Website after changes are posted means you accept the updated Terms. Changes will not apply retroactively to disputes that arose before the change was posted.

22. Contact us

If you have questions about these Terms, please contact us: