Terms & conditions

Effective Date: June 24, 2025

Company: Essential Agencies

Website: www.essentialagencies.com

By accessing or using this website, you agree to be bound by the following Terms and Conditions. If you do not agree with any part of these terms, please do not use this website or our services.

1. Use of This Website

Essential Agencies provides information and services related to Final Expense Life Insurance. All content is for general informational purposes only and does not constitute financial or insurance advice. We reserve the right to modify, suspend, or discontinue any part of the website at any time.

2. Eligibility

You must be at least 18 years old to use this website or request information about insurance products. By using this site, you confirm that you meet this requirement.

3. No Guarantees or Commitments

Quotes or information provided through this site are not guarantees of coverage or approval. All insurance applications are subject to underwriting guidelines and carrier approval.

4. Intellectual Property

All content on this website, including text, graphics, logos, and design, is the property of Essential Agencies and may not be copied, distributed, or reproduced without written permission.

5. Third-Party Links

Our website may contain links to third-party websites or tools. We are not responsible for the content, privacy practices, or terms of those third-party sites.

6. Limitation of Liability

Essential Agencies is not liable for any direct or indirect damages arising from the use of this website, including errors in information, delays in service, or technical issues.

7. Privacy & Data Use

We collect and use personal information as outlined in our Privacy Policy. By using our website and submitting your information, you consent to our data practices, including communication via email, phone, and SMS.

8. SMS & Email Communications (Compliance Disclaimer)

By submitting your information through any form on this website, you expressly consent to receive automated marketing messages, appointment reminders, and other notifications from Essential Agencies at the phone number provided, including via SMS and pre-recorded messages.

Message and data rates may apply.

Message frequency varies.

You may opt out of SMS messages at any time by replying “STOP”

For help, reply “HELP” or contact us at [email protected]

Consent to receive messages is not a condition of purchase.

9. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State in which Essential Agencies operates, without regard to conflict of law principles.

10. Changes to These Terms

We may update these Terms & Conditions from time to time. All changes will be posted on this page with an updated effective date. Continued use of the site constitutes acceptance of those changes.

11. Contact Us

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

📧 [email protected]