Terms of Service

Section 01

Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you" or "user") and Charmane Ackerman / Critical Life Insurance Agency ("Company," "we," "our," or "us") governing your use of our website located at critical-life-insurance.com, any associated landing pages, lead forms, and all related services (collectively, the "Services").

By accessing our website, submitting any form or inquiry, calling our office, or otherwise engaging with our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, please discontinue use of our Services immediately.

Section 02

Eligibility

Our Services are intended for individuals who are:

• At least 18 years of age (or the age of majority in their jurisdiction)
• Residents of a state in which we are licensed to conduct insurance business
• Seeking information about final expense life insurance products in good faith

By using our Services, you represent and warrant that you meet these eligibility requirements. We reserve the right to refuse service to anyone for any lawful reason.

Section 03

Description of Our Services

Critical Life Insurance Agency is an independent final expense life insurance brokerage. Our Services include:

• Providing information about final expense and burial insurance products from our carrier partners
• Facilitating insurance quotes and applications through our website and affiliated tools
• Scheduling consultations with a licensed insurance agent
• Communicating with prospective and existing clients via phone, SMS, email, and AI-assisted tools
• Operating lead generation forms and landing pages

We are licensed and operate in the following states: Florida, Ohio, Texas, Michigan, Louisiana, Mississippi, North Carolina, Iowa, and Alabama. We do not offer Services in states where we are not licensed.

Section 04

No Insurance Advice; Informational Purposes

All information provided on our website, in our communications, or through our automated tools is for general informational purposes only and does not constitute personalized insurance advice, a binding insurance quote, or a guarantee of coverage or premiums.

Insurance product availability, pricing, underwriting requirements, and eligibility vary by carrier, product, state, and individual circumstances. Final determinations of coverage and premium amounts are made solely by the applicable insurance carrier during the underwriting process.

You should not rely solely on information obtained through our website or automated communications when making insurance purchasing decisions. We encourage you to speak directly with Charmane for personalized guidance.

Section 05

Communications Consent

By submitting any form, inquiry, or lead information through our website, landing pages, advertisements, or any affiliated lead form, you expressly consent to receive communications from Critical Life Insurance Agency, including:

• Phone calls (live, prerecorded, or using an automatic telephone dialing system)
• SMS and MMS text messages
• Emails (transactional and marketing)
• AI-assisted voice, chat, and messaging communications

For full details on our SMS program, TCPA compliance, and CAN-SPAM practices, please review our Privacy Policy & Communications Consent.

Section 06

User Submissions & Accuracy of Information

When you submit information through our forms or inquiries, you agree to provide accurate, current, and complete information. You acknowledge that:

• Providing false, misleading, or incomplete information may affect your ability to obtain insurance coverage or accurate quotes
• You are responsible for the accuracy of all information you submit
• We may use the information you provide to contact you and facilitate insurance services as described in our Privacy Policy
• Submission of your information to our forms constitutes your authorization for us to process and use that information in accordance with these Terms and our Privacy Policy

Section 07

Prohibited Uses

You agree not to use our Services for any unlawful purpose or in any way that could harm us, other users, or third parties. Prohibited uses include, but are not limited to:

• Submitting false, fraudulent, or misleading information
• Using our website or Services for purposes other than obtaining legitimate insurance information
• Attempting to interfere with, disrupt, or gain unauthorized access to our systems, servers, or data
• Scraping, harvesting, or collecting data from our website without our express written consent
• Impersonating any person or entity or misrepresenting your affiliation with any person or entity
• Violating any applicable federal, state, or local laws or regulations, including insurance laws
• Using our Services to facilitate insurance fraud or misrepresentation in insurance applications

We reserve the right to terminate your access to our Services and report any suspected fraudulent, unlawful, or abusive activity to appropriate authorities.

Section 08

Intellectual Property

All content on our website and in our materials — including but not limited to text, graphics, logos, images, and software — is the property of Critical Life Insurance Agency or its content suppliers and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes related to exploring our insurance services. You may not:

• Reproduce, copy, distribute, or commercially exploit any content without our prior written consent
• Modify or create derivative works based on our content
• Use our trademarks, trade names, or logos without our express written authorization

Section 09

Third-Party Links & Carrier Products

Our website and communications may contain links to third-party websites or references to insurance products offered by our carrier partners, including Mutual of Omaha, Americo, American Amicable, Royal Neighbors, Foresters Financial, Transamerica, Liberty Bankers, KSKJ Life, and AIG/Corebridge.

We are not responsible for the content, privacy practices, or terms of any third-party websites. Links to third-party sites do not constitute our endorsement of those sites or their content.

Insurance products are underwritten and issued by the respective insurance carriers, not by Critical Life Insurance Agency. The terms, conditions, benefits, and exclusions of any insurance policy are governed solely by the policy documents issued by the applicable carrier.

Section 10

Disclaimers & Warranty Disclaimer

Our Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that our website will be uninterrupted, error-free, or free of viruses or other harmful components
• Warranties regarding the accuracy, completeness, or timeliness of any content on our website
• Warranties that communications sent through automated or AI-assisted systems will be error-free

Insurance availability, rates, and terms are subject to change without notice and are ultimately determined by our carrier partners.

Section 11

Limitation of Liability

To the maximum extent permitted by applicable law, Critical Life Insurance Agency, its agents, employees, and affiliates shall not be liable for any:

• Indirect, incidental, consequential, punitive, or special damages
• Loss of profits, data, or business opportunities
• Damages arising from your reliance on information obtained through our Services
• Damages resulting from unauthorized access to or alteration of your transmissions or data
• Any matter beyond our reasonable control

In no event shall our total liability to you for all claims arising out of or relating to these Terms or our Services exceed the greater of (a) the amount you paid us in the twelve months preceding the claim, or (b) one hundred dollars ($100.00).

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liability. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

Section 12

Indemnification

You agree to defend, indemnify, and hold harmless Critical Life Insurance Agency and its officers, agents, partners, and employees from and against any claims, liabilities, damages, judgments, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of or inability to use our Services
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your submission of false or misleading information
• Any third-party claim arising from your conduct in connection with our Services

Section 13

Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or our Services that cannot be resolved informally shall be subject to the exclusive jurisdiction of the state and federal courts located in Leon County, Florida, and you consent to personal jurisdiction in such courts.

Before initiating any formal proceeding, you agree to contact us in good faith at the information below and attempt to resolve any dispute informally for at least 30 days.

Section 14

Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. We may also notify you by email or SMS if we have your contact information on file.

Your continued use of our Services after any changes to these Terms constitutes your acceptance of the updated Terms. We encourage you to review this page periodically.

If you do not agree to the modified Terms, you should discontinue use of our Services and may request removal from our contact list using the opt-out methods described in our Privacy Policy.

Section 15

Questions? Contact Us.

If you have any questions about these Terms of Service, please reach out — Charmane is happy to help.