Terms of Service

Agreement to these terms

By using this website you agree to these terms. If you do not agree with them, please do not use the site. Family Bridge Financial is an independent life insurance agency headquartered in Jacksonville, Florida, and licensed to serve clients in all 50 states.

Educational content, not advice

Everything published on this site — guides, comparisons, carrier reviews, condition pages, blog posts, and downloadable PDFs — is general education. It is not financial, legal, or tax advice, it is not a recommendation of a specific policy for your situation, and it is not an offer of insurance.

Nothing on this site binds coverage. Coverage exists only when an insurance carrier issues a policy and it is delivered and paid for according to that carrier's requirements.

No rates or guarantees

We deliberately do not publish premiums or rate tables. Premiums, underwriting classes, riders, and product availability are set by each insurance carrier and vary by age, state, health history, tobacco use, and other factors. Any figure discussed with you before underwriting is an estimate, not a guaranteed price.

Carrier information

Carrier reviews on this site are our independent editorial opinion. Financial-strength ratings, product lineups, and underwriting practices are stated as of the date shown and change without notice. We are compensated by insurance carriers in the form of commissions when a policy we place is issued; this does not change the price you pay, and it is standard across the industry.

Company names and logos belong to their respective owners and are used to identify the carriers we work with. Their appearance does not imply their endorsement of this website.

Your responsibilities

You agree to give accurate and complete information when you request a quote or apply for coverage. Insurance applications are legal documents, and misstatements can lead to a rating, a decline, or a denied claim during the contestability period.

You may not misuse the site: no scraping for resale, no attempts to break security, and no use of our content as your own.

Contact consent

Submitting a form with your phone number and consent authorizes us to contact you by call and text about life insurance, including auto-dialed or pre-recorded calls. Consent is not a condition of purchase and can be withdrawn at any time by replying STOP or telling us directly.

Third-party links

We link to carriers, regulators, and other outside resources for your convenience. We do not control those sites and are not responsible for their content, accuracy, or privacy practices.

Intellectual property

The writing, layout, and downloadable guides on this site are original work owned by Family Bridge Financial. You are welcome to read, print, and share them for personal use. Republishing them commercially or passing them off as your own is not permitted.

Limitation of liability

The site is provided as is. To the fullest extent permitted by law, Family Bridge Financial is not liable for indirect or consequential losses arising from your use of the site or reliance on its general educational content. Nothing here limits any obligation we owe you as a licensed insurance producer.

SMS Terms

When you text Family Bridge Financial at (904) 746-1421, or give us your mobile number with consent on one of our forms, you may receive text messages that reply to your texts, confirm or remind you about appointments, and follow up on quotes you requested. A short automated follow-up sequence is used only with express consent and remains disabled until our text-message registration is approved.

Message frequency varies. Msg & data rates may apply. Reply STOP to opt out at any time, and reply HELP for help. Consent to receive text messages is not a condition of purchase. Carriers are not liable for delayed or undelivered messages.

Questions about text messages: call or text (904) 746-1421 or email info@familybridgefinancial.com. See our Privacy Policy at /privacy-policy for how we handle your mobile number; we do not sell, rent or share it or your SMS opt-in consent with third parties or affiliates for marketing purposes.

Governing law and changes

These terms are governed by the laws of the State of Florida. We may update them from time to time, and the current version is always the one posted on this page. Questions: info@familybridgefinancial.com.