Terms of Use

Educational purpose

This website provides general educational information about life insurance and funeral planning. It is not legal, tax, or financial advice, and it is not an offer of insurance coverage. Product availability, eligibility, and terms depend on the insurer and your individual situation.

No guarantee of outcomes

We make reasonable efforts to keep information accurate and current, but we do not guarantee that all content is complete, error-free, or up to date at all times. Insurance products, prices, and regulations change. Always confirm details with the insurer and review the actual policy before making decisions.

Third-party links and forms

Our site may link to or embed third-party services, such as our contact and kit-request forms. We are not responsible for the content or practices of third-party websites, and your use of those services is subject to their own terms and privacy policies.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, information provided on this website. Your use of the site is at your own discretion and risk.

Changes to these terms

We may update these terms from time to time. Continued use of the website after changes are posted means you accept the updated terms.

Governing law

These terms are governed by the laws of the State of Minnesota, without regard to conflict-of-law rules.