Terms and Conditions

Welcome to James Johnson Final Expense Insurance services. By accessing our website at https://now.getfinalexpensetoday.com, submitting information through our contact forms, or agreeing to receive communications from us, you agree to be bound by these Terms and Conditions.

1. Agreement to Terms

By using our services, submitting your contact information, or opting in to receive communications, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use our services or submit your information.

Age Requirement: You must be 18 years of age or older to use our services or submit information through our website. By using our services, you represent and warrant that you are at least 18 years old. If you are under 18, you may not use our services or submit any information to us.

2. SMS Text Messaging Terms

2.2 Message Frequency

Message frequency varies depending on your engagement with our services. You may receive approximately 2-4 messages per month. However, message frequency may increase during active quote processes, appointment scheduling, or policy updates.

2.3 Message and Data Rates

Standard message and data rates may apply based on your mobile carrier's plan. You are responsible for any charges incurred from your mobile carrier for receiving SMS messages from us.

2.4 Opt-Out Instructions

You may opt out of receiving SMS messages at any time by:

• Replying STOP, UNSUBSCRIBE, CANCEL, END, or QUIT to any message
• Following the unsubscribe instructions in any message you receive
• Contacting us directly at the contact information provided below

Upon receiving your opt-out request, we will immediately stop sending you SMS messages and send you a final confirmation message.

2.5 Help and Support

For help with SMS messages, reply HELP to any message, or contact us using the information provided in Section 14.

2.6 Carrier Limitations

We are not liable for any delays or failures in message delivery caused by your mobile carrier or device. Message delivery is not guaranteed and may be affected by network conditions, device capabilities, or carrier restrictions.

3. Services Provided

James Johnson provides insurance brokerage services specializing in Final Expense insurance products. Our services include:

• Personalized insurance quotes and policy comparisons
• Consultation and needs assessment
• Policy application assistance
• Ongoing policy support and service

We act as an independent insurance agent and may represent multiple insurance carriers. We are not employees of any insurance company.

4. Information Collection and Use

When you submit information through our website or contact forms, you authorize us to:

• Collect and store your personal information (name, phone number, email, date of birth, health information as needed for insurance quotes)
• Contact you via phone, email, SMS, or other means to provide the services you requested
• Share your information with insurance carriers as necessary to obtain quotes and process applications
• Use your information in accordance with our Privacy Policy

5. Accuracy of Information

You agree to provide accurate, complete, and truthful information when requesting quotes or submitting applications. Providing false or misleading information may result in:

• Denial of coverage by insurance carriers
• Cancellation of policies
• Loss of benefits or claims
• Legal consequences

6. No Guarantee of Coverage

Submission of information or receipt of a quote does not guarantee insurance coverage. All insurance policies are subject to approval by the insurance carrier based on their underwriting guidelines. We do not make coverage decisions and cannot guarantee acceptance of any application.

7. Insurance Licensing

James Johnson is a licensed insurance agent operating in accordance with state and federal regulations. Insurance products are offered through properly licensed entities and carriers. License information is available upon request.

8. Website Use and Restrictions

You agree not to:

• Use our website or services for any unlawful purpose
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems
• Use automated systems (bots, scrapers) to access our website
• Interfere with the proper functioning of our website or services

9. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of James Johnson or its licensors and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.

10. Limitation of Liability

To the fullest extent permitted by law, James Johnson shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of our website or services
• Errors or omissions in information provided
• Delays or failures in message delivery
• Decisions made by insurance carriers regarding coverage
• Any other matter relating to our services

11. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms. We will update the "Last Updated" date at the top of this page when changes are made.

12. Governing Law

These Terms and Conditions are governed by the laws of the State of Georgia and applicable federal laws, including the Telephone Consumer Protection Act (TCPA). Any disputes shall be resolved in the appropriate courts of Georgia.

13. Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining terms remain in full force and effect.