Terms & Conditions

Please read these Terms and Conditions carefully before using this website or submitting any information. By accessing or using this website, you agree to be bound by these Terms and Conditions.

1. Nature of This Website

This website is operated by an independent insurance agent affiliated with Experior Financial Group. The purpose of this website is to provide general information about insurance products and services and to allow visitors to submit inquiries or request quotes.

This website does not constitute a binding insurance application, policy, or contract. Coverage is not confirmed until a completed application has been reviewed, approved, and a policy has been issued by a licensed insurance carrier.

2. Independent Agent Disclosure

The agent operating this website is an independent contractor, not an employee of Experior Financial Group or any insurance carrier. The agent is licensed to sell insurance in the states indicated on this website. Insurance products offered are subject to the terms, conditions, and availability of each individual carrier.

Experior Financial Group is an Independent Marketing Organization (IMO). Products and services discussed on this website are offered through licensed carriers and are not products of Experior Financial Group directly.

3. No Guarantee of Coverage or Rates

Information provided on this website, including general descriptions of insurance products or estimated premium ranges, is for informational purposes only and does not constitute a guarantee of coverage, eligibility, or premium rates.

Actual coverage, eligibility, and pricing are determined by each carrier through their individual underwriting process and are subject to change. Final rates and coverage are confirmed only after a completed application has been reviewed and approved.

4. Not Financial, Legal, or Tax Advice

Nothing on this website constitutes financial, legal, tax, or investment advice. Insurance products discussed are protection products, not investment vehicles. You should consult a qualified financial advisor, attorney, or tax professional for advice specific to your situation.

5. Accuracy of Information

We make reasonable efforts to ensure the information on this website is accurate and up to date. However, insurance products, regulations, and carrier requirements change frequently. We do not warrant that all information on this website is current, complete, or error-free.

You should verify all specific product details, coverage terms, and pricing directly with the agent or carrier before making any insurance decisions.

6. Submission of Information

By submitting your information through any form on this website, you:

• Consent to being contacted by the agent via phone, text message, or email
• Acknowledge that submitting a form does not create a binding insurance contract
• Confirm that the information you provide is accurate to the best of your knowledge
• Understand that providing false or misleading information on an insurance application may result in denial of claims or cancellation of coverage

7. Limitation of Liability

This website and its operator are not liable for any damages, losses, or expenses arising from:

• Reliance on information provided on this website
• Delays in responding to inquiries
• Errors or omissions in website content
• Technical issues, downtime, or interruptions in website availability
• Actions or decisions made based on information presented on this website

In no event shall the agent or affiliated parties be liable for indirect, incidental, or consequential damages of any kind.

8. Third-Party Links

This website may contain links to third-party websites including carrier websites, Experior resources, or other industry tools. We are not responsible for the content, privacy practices, or accuracy of any third-party website. Links are provided for convenience only and do not constitute an endorsement.

9. Intellectual Property

All content on this website including text, images, logos, and design elements is the property of the agent or their licensed providers and may not be reproduced, distributed, or used without written permission.

10. State-Specific Disclosures

Insurance products and their availability vary by state. The agent is licensed only in the states indicated on this website. If you reside in a state where the agent is not licensed, the agent cannot legally provide insurance services to you and will inform you accordingly.

11. Modifications to These Terms

We reserve the right to update or modify these Terms and Conditions at any time. Changes will be posted on this page with a revised effective date. Continued use of this website after changes are posted constitutes your acceptance of the updated terms.

12. Governing Law

These Terms and Conditions are governed by the laws of the state in which the agent is primarily licensed to conduct business, without regard to conflict of law principles.

13. Contact

For questions about these Terms and Conditions, please contact your agent directly using the contact information provided on this website.