IMPORTANT NOTICE: Final Expense Nav is NOT a coverage company. We do NOT sell coverage products directly. We are an educational platform and marketing service that connects consumers with licensed professionals.
1. Nature of Our Services
Educational Platform: Final Expense Nav provides educational information and resources about final expense coverage options. We are not licensed to sell coverage products.
Our services include:
- Educational content about final expense coverage
- General information about coverage options
- Referral services to licensed professionals
- Marketing and lead generation services
We do NOT:
- Sell coverage products directly
- Provide personalized coverage advice
- Make coverage recommendations
- Act as an agent or broker
- Guarantee coverage approval or rates
2. No Professional Advice
Not Professional Advice: The information provided on our website is for educational purposes only and should not be considered professional, legal, financial, or coverage advice.
You should always:
- Consult with licensed professionals before making coverage decisions
- Verify all information with qualified agents or companies
- Read all policy documents carefully before purchasing
- Seek independent advice for your specific situation
- Understand that coverage needs vary by individual
3. Third-Party Relationships
Final Expense Nav works with licensed professionals and companies to provide referral services. Important disclaimers about these relationships:
- Independent Contractors: Licensed agents and companies are independent contractors, not employees of Final Expense Nav
- No Control: We do not control the actions, advice, or services provided by third-party professionals
- Compensation: We may receive compensation from agents or companies for successful referrals
- No Endorsement: Referrals do not constitute endorsements of specific agents or products
- Your Choice: You are free to work with any licensed professional of your choosing
4. Information Accuracy
Information Disclaimer: While we strive to provide accurate information, we cannot guarantee the completeness, accuracy, or timeliness of all content on our website.
Please note:
- Coverage information may vary by state and company
- Rates and availability change frequently
- Policy terms and conditions vary by provider
- Information may become outdated over time
- Always verify information with licensed professionals
5. No Guarantees
Final Expense Nav makes no guarantees regarding:
- Coverage Approval: We cannot guarantee that you will be approved for coverage
- Rates or Premiums: We cannot guarantee specific rates or premium amounts
- Agent Response: We cannot guarantee that agents will contact you or respond to inquiries
- Service Quality: We cannot guarantee the quality of services provided by third parties
- Website Availability: We cannot guarantee uninterrupted access to our website
- Information Accuracy: We cannot guarantee that all information is current or accurate
6. State Licensing Requirements
Licensed Professionals Only: All coverage products must be sold by properly licensed agents or companies in your state.
Important licensing information:
- Coverage laws and regulations vary by state
- Only licensed professionals can sell coverage products
- Verify agent licensing with your state's department
- Coverage availability may vary by location
- Some products may not be available in all states
7. Medical and Health Information
Not Medical Advice: Any health-related information on our website is for educational purposes only and is not medical advice.
Please understand:
- We do not provide medical advice or recommendations
- Health information is general in nature
- Consult healthcare professionals for medical advice
- Coverage decisions should not be based solely on our information
- Medical underwriting requirements vary by company
8. Financial Information
Any financial information provided is for educational purposes only:
- We do not provide personalized financial advice
- Financial situations vary by individual
- Consult financial advisors for personalized guidance
- Coverage costs and benefits vary by provider
- Tax implications should be discussed with tax professionals
9. Website and Technology
Disclaimers regarding our website and technology:
- Technical Issues: We are not responsible for technical problems or website downtime
- Third-Party Links: We are not responsible for content on external websites
- Data Security: While we implement security measures, no system is 100% secure
- Browser Compatibility: Website functionality may vary by browser and device
- Updates: Website content and functionality may change without notice
10. Limitation of Liability
Limited Liability: Final Expense Nav's liability is limited to the maximum extent permitted by law.
We are not liable for:
- Actions or omissions of third-party agents or companies
- Coverage decisions made by users or agents
- Financial losses related to coverage purchases
- Damages resulting from website use or technical issues
- Consequences of relying on information provided
- Any indirect, incidental, or consequential damages
11. Regulatory Compliance
Final Expense Nav operates in compliance with applicable laws and regulations:
- We comply with federal and state marketing regulations
- We follow privacy and data protection requirements
- We adhere to advertising and disclosure standards
- We maintain appropriate business licenses where required
- We cooperate with regulatory authorities as needed
12. Changes to Disclaimers
We reserve the right to update these disclaimers at any time. Changes will be effective when posted on our website with an updated date.
Your continued use of our services after changes are posted constitutes acceptance of the updated disclaimers.
Questions About These Disclaimers
If you have questions about these disclaimers or need clarification, please contact us:
Email: legal@finalexpensenav.com
Phone: 1-800-EXPENSE
Mail: Final Expense Nav Legal Department
We will respond to your inquiries within 5 business days.
Final Reminder: Always consult with licensed professionals before making any coverage decisions. The information on this website is educational only and should not be your sole source of information when making important financial decisions.