Terms of Service

Acceptance of Terms

By accessing or using Prime Mutual / FinalExpenseInsurance.com (the "Site"), you agree to these Terms of Service. If you do not agree, do not use the Site.

About Our Service

Prime Mutual is an independent educational resource and insurance marketplace. We are not an insurance carrier. We are not the agent of record on any policy. When you submit a quote request, we connect you with a licensed independent insurance agent or agency who can provide quotes and place coverage. The agent or agency handles the application, underwriting interaction, and policy placement directly with the insurance carrier.

Our Insurance Products and Services

Through our network of licensed independent agents, the products you may be quoted for include:

• Guaranteed issue life insurance
• Simplified issue (no medical exam) life insurance
• High-risk and hard-to-place burial insurance
• Single premium whole life insurance
• Burial insurance for parents
• Low-cost burial coverage options

All policy terms, premiums, eligibility, and coverage amounts are determined by the issuing insurance carrier — not by us.

Educational Content — Not Insurance Advice

The content on this Site is provided for educational and informational purposes only. It is not personalized insurance advice and should not be construed as such. Specific policy recommendations depend on your individual health, age, financial situation, and goals. Always work with a licensed insurance professional for recommendations specific to your situation.

Premium Estimates and Calculators

Any premium ranges, sample numbers, or calculator outputs on this Site are illustrative only. They are not quotes or offers of coverage. Actual premiums depend on the issuing carrier's underwriting of your specific health profile, age, gender, tobacco status, state, and other factors. A real quote requires a formal application through a licensed agent.

Licensure

Every agent or agency we connect you with holds active state licensure verifiable through their state Department of Insurance or the National Insurance Producer Registry (NIPR). If you wish to verify a specific agent's licensure, ask the agent directly or use your state DOI's licensee search.

Referral Compensation

We earn a referral fee from licensed agents or agencies when a policy is placed through our referral. Your premium is set by the insurance carrier and is not affected by our referral fee. Use of this Site is free to you.

No Guarantees

We do not guarantee that any specific carrier will approve your application, offer a specific rate, or place coverage at any particular underwriting tier. Approval depends on the carrier's underwriting standards as applied to your specific situation.

Third-Party Links

The Site may link to third-party websites (state DOIs, MIB, NIPR, etc.) for verification or reference purposes. We are not responsible for the content, accuracy, or privacy practices of third-party sites.

Limitation of Liability

To the maximum extent permitted by law, Prime Mutual and its owners, employees, and affiliates are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, including but not limited to errors in content, premium estimates, or specific carrier underwriting outcomes.

Intellectual Property

All content on this Site — including text, graphics, logos, images, and software — is the property of Prime Mutual or its content suppliers and is protected by U.S. copyright law. You may not reproduce, distribute, or create derivative works from this content without our written permission.

Changes to These Terms

We may update these Terms of Service from time to time. Material changes will be reflected in the "Last updated" date at the top of this page. Continued use of the Site after changes are posted constitutes acceptance of the updated terms.

Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. Any disputes arising from these Terms or your use of the Site will be resolved in the state or federal courts located in Travis County, Texas.

Contact

Questions about these Terms? Email us at info@finalexpenseinsurance.com or contact us through the form on our Contact page.