1. Acceptance of These Terms

By accessing or using WealthForFamily.com, you acknowledge these Terms of Service. If you submit a request, application inquiry, contact form, or other information through the website, additional notices or agreements may also apply.

If you do not agree with these Terms, please do not use the website or submit information through it.

2. About Wealth For Family

Wealth For Family is a family legacy and life insurance platform. The website may provide information and assistance relating to:

• Life insurance
• Family legacy conversations
• Senior living placement assistance
• Family story and memory preservation
• Life story films through affiliated or external services
• Art, antique, and heirloom appraisal services through affiliated or external services
• Educational articles, guides, webinars, and resources

Not every service is provided directly by Wealth For Family. Some services may be provided by licensed insurance companies, senior living communities, professionals, affiliated businesses, or other third parties.

3. Eligibility & Geographic Limits

This website is intended primarily for adults age 18 and older. You should only submit information about yourself or another person when you have permission or lawful authority to provide that information.

Educational information may be viewed broadly, but insurance solicitation, recommendations, applications, and transactions are only conducted where the applicable insurance producer is properly licensed and where the activity is permitted by law.

Wealth For Family currently identifies licensed insurance activity in Texas, Florida, Colorado, Missouri, and Michigan. Licensing and availability may change.

4. Life Insurance Services

Wealth For Family is not an insurance company and does not itself issue insurance policies.

Life insurance policies are issued by third-party insurance carriers. A licensed insurance producer may help you understand available options, compare insurance companies, discuss coverage, and submit applications where permitted.

Insurance companies establish their own underwriting rules, policy terms, rates, product availability, eligibility requirements, and claim procedures.

Access to multiple insurance carriers does not mean that every carrier, policy, or product is available to every applicant or that every available carrier will be considered in every situation.

5. Quotes, Applications & Coverage

An insurance quote, estimate, illustration, discussion, website example, or preliminary indication is not a guarantee of coverage.

Submitting an insurance application does not guarantee approval and does not by itself mean that permanent insurance coverage is in force.

Insurance carriers may consider factors including age, health, medical history, medications, tobacco or nicotine use, occupation, lifestyle, financial information, requested coverage, and other underwriting information.

A carrier may approve, modify, postpone, limit, or decline an application according to its underwriting rules.

Coverage begins only according to the applicable insurer’s requirements and the effective date of the issued policy or other applicable coverage document.

6. The Insurance Policy Controls

Information on WealthForFamily.com is intended to explain insurance concepts in plain language.

If website content, an email, a conversation, an illustration, or another educational explanation differs from the terms of an actual insurance policy, rider, application, carrier disclosure, or other official insurance document, the official insurance documents control.

Always review the insurance policy and carrier documents carefully.

7. Insurance Compensation

There is no consumer consultation fee simply to discuss life insurance, review available insurance options, receive available quotes, or submit an application through Wealth For Family.

If you purchase an insurance policy, a licensed insurance producer may receive compensation from the insurance carrier.

Compensation arrangements may vary by insurance company, product, policy, and other factors.

8. Family Legacy Conversations

A Family Legacy Conversation is a complimentary discussion designed to help families think about the people, memories, possessions, experiences, later-life wishes, financial protection, and legacy they hope to leave behind.

A Family Legacy Conversation is not a legal estate plan, trust, will, tax strategy, investment plan, funeral plan, or formal financial plan.

When life insurance is discussed, those discussions may occur in the licensed insurance producer’s capacity where permitted by law.

9. No Legal, Tax, Investment or Medical Advice

Unless specifically stated otherwise, information on this website is general educational information.

Wealth For Family does not provide:

• Legal advice
• Tax advice
• Investment advice or investment management
• Medical advice or diagnosis
• Individualized financial planning
• Funeral directing services
• Legal estate-planning services

You should consult an appropriately licensed attorney, tax professional, investment professional, healthcare professional, funeral professional, or other qualified professional when those services are needed.

10. Beneficiaries, Wills & Trusts

Information concerning beneficiaries, trusts, wills, estates, ownership, or similar arrangements is provided only for general educational purposes unless otherwise stated.

Wealth For Family does not draft wills, trusts, or other legal instruments and does not determine the legal effect of an estate document.

Insurance beneficiary designations and estate-planning documents can have important legal consequences. A qualified attorney should be consulted when legal structuring is needed.

11. Senior Living Placement Assistance

Wealth For Family may help families explore senior living options, including Independent Living, Assisted Living, and Memory Care communities.

Wealth For Family is not a senior living facility, assisted living facility, nursing home, healthcare provider, medical provider, home-health provider, or operator of the communities that may be discussed or recommended.

We may help identify communities, narrow choices, provide general information, or make introductions. The family makes the final decision.

Pricing, availability, staffing, amenities, care capabilities, licensing, services, policies, and other community information may change.

Families should independently review each community, its contracts, fees, services, licensing, care capabilities, policies, and suitability before making a decision.

12. Senior Living Compensation

Wealth For Family’s senior living placement assistance is offered without a placement fee to families.

Wealth For Family may receive referral or placement compensation from participating senior living communities when a placement is completed.

A family is not required to select a particular community simply because Wealth For Family may have a compensation arrangement with it.

13. No Emergency or Medical Services

Wealth For Family does not provide emergency response, crisis intervention, medical diagnosis, or medical care.

We do not determine the medically appropriate level of care for a senior. Medical and care assessments should be made by the appropriate healthcare professionals and senior living providers.

If someone is experiencing a medical emergency or immediate danger, call 911 or the appropriate emergency service.

14. Third-Party & Affiliated Services

WealthForFamily.com may link to insurance carriers, senior living communities, professionals, affiliated businesses, life story film services, appraisal services, and other third-party websites.

These websites and businesses may have their own terms, privacy policies, contracts, pricing, and business practices.

Wealth For Family does not control every third-party website and is not responsible for the availability, security, content, or practices of websites it does not operate.

15. Information You Submit

When submitting information through WealthForFamily.com, you agree to provide information that is reasonably accurate and not intentionally misleading.

Do not impersonate another person or submit another person’s information unless you have permission or lawful authority to do so.

Do not send highly sensitive information, including Social Security numbers, full financial account information, passwords, or detailed medical records, through a general website contact form unless specifically instructed through an appropriate process.

16. Communications

If you submit a request or provide contact information, Wealth For Family may use the information you provided to respond to your request and communicate with you about the service you asked about.

Additional consent may be requested where required for marketing calls, text messages, automated communications, or other communications regulated by applicable law.

17. Privacy

Our collection, use, and handling of personal information is addressed separately in our Privacy Policy .

Please review the Privacy Policy before submitting personal information through the website.

18. Intellectual Property

Unless otherwise indicated, original website content, written materials, articles, guides, branding, graphics, logos, design elements, and other materials are owned by or licensed for use by Wealth For Family.

You may use the website for ordinary personal, non-commercial purposes.

You may not copy, republish, reproduce, scrape, sell, distribute, commercially exploit, or misrepresent protected website materials without permission or another lawful basis.

19. Prohibited Use

You may not use WealthForFamily.com to:

• Break applicable law
• Commit fraud or impersonate another person
• Submit knowingly false or deceptive information
• Attempt unauthorized access to the website or its systems
• Introduce malware, malicious code, or security threats
• Interfere with the normal operation of the website
• Abuse website forms or communication systems
• Use automated scraping or collection in a way that harms the website or violates applicable law
• Infringe intellectual property or other legal rights

20. Examples, Illustrations & Educational Content

Examples used on the website are provided to make concepts easier to understand.

Sample coverage amounts, hypothetical families, sample beneficiaries, family gathering ideas, financial examples, insurance examples, and other scenarios are illustrations only.

They do not guarantee that another person will qualify for the same coverage, premium, policy, benefit, underwriting result, senior living option, or other outcome.

Testimonials or reviews, if displayed, describe individual experiences and do not guarantee the same result for another person.

21. Website Accuracy & Availability

We try to keep WealthForFamily.com accurate, useful, and current. However, laws, insurance products, carrier rules, pricing, underwriting guidelines, community availability, senior living information, and other information can change.

We may correct, update, remove, or change website content without prior notice.

We do not guarantee that the website will always be available, uninterrupted, error-free, or compatible with every device or browser.

22. Disclaimers & Limitation of Liability

To the fullest extent permitted by law, WealthForFamily.com and its general educational content are provided on an “as available” basis.

Wealth For Family does not guarantee a particular insurance approval, premium, underwriting classification, carrier offer, claim result, senior living placement, community availability, financial outcome, or other specific result.

To the fullest extent permitted by applicable law, Wealth For Family will not be liable for indirect, incidental, special, consequential, or similar damages resulting solely from ordinary use of, inability to use, or reliance on general educational content on this website.

Nothing in these Terms is intended to eliminate rights or obligations that cannot legally be waived, including rights created by applicable insurance law or obligations contained in an issued insurance policy.

User Responsibility

You are responsible for reviewing official documents, policies, contracts, community agreements, and professional advice relevant to decisions you make.

To the extent permitted by law, you agree to be responsible for losses or claims caused by your unlawful use of the website, fraud, intentional misuse, infringement of another person’s rights, or material violation of these Terms.

23. Governing Law & Disputes

These Terms are intended to be governed by the laws of the State of Texas, without eliminating any non-waivable rights that may apply under another jurisdiction’s law.

Before beginning formal legal proceedings, we encourage you to contact Wealth For Family and provide a reasonable opportunity to address the issue informally.

Nothing in these Terms changes the terms of an insurance policy, creates insurance coverage, or limits rights that cannot lawfully be waived.

Severability

If one provision of these Terms is found unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

No Waiver

A failure to enforce a provision of these Terms on one occasion does not necessarily waive the right to enforce it later.

Separate Agreements

These Terms govern use of WealthForFamily.com. Separate insurance policies, applications, carrier agreements, senior living contracts, appraisal agreements, film-service agreements, or other agreements may have their own terms.

When a separate agreement applies, that agreement governs the service or transaction it specifically covers.

24. Changes to These Terms

Wealth For Family may update these Terms from time to time as the website, services, laws, or business practices change.

When the Terms are updated, the “Last Updated” date at the top of this page may also be changed.

Continued use of the website after updated Terms are posted is subject to the Terms then in effect, to the extent permitted by law.