Terms of Service

← Back to Home

1. Acceptance of Terms

By accessing or using the Pillar Final Expense website at pillarfinalexpense.com (the "Site"), submitting any form, clicking any call-to-action button, or otherwise engaging with our services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Site or our services.

2. Description of Services

Pillar Final Expense is the trade name under which a licensed, independently contracted life insurance agent operates. Pillar Final Expense is not an insurance agency or insurance company — it is a sole proprietorship operated by one individually licensed agent who is contracted with multiple insurance carriers to offer final expense and whole life insurance products. Our services include:

• Providing general information about life insurance products and carriers
• Displaying estimated premium ranges for informational purposes through static displays and interactive tools (including but not limited to coverage amount sliders, age selectors, and carrier comparison features)
• Collecting your information via quote request forms so your licensed agent can contact you directly
• Passing your selected preferences (such as carrier interest, coverage amount, and age) between pages on the Site via URL parameters to personalize your experience
• Facilitating phone consultations between you and your assigned agent
• Assisting with insurance application submission and policy servicing

Pillar Final Expense is not an insurance company or insurance agency. It is operated by a single, individually licensed insurance agent who is independently contracted with the carriers listed on this Site. Insurance policies are issued by the insurance carriers themselves. All coverage is subject to the terms, conditions, exclusions, and limitations of the issuing carrier's policy.

3. Insurance Solicitation Disclosure

4. Premium Estimates, Interactive Tools, and Carrier Information Disclaimer

4a. Interactive Pricing Tools

Our Site includes interactive features that allow you to adjust estimated premium displays, including but not limited to a coverage amount slider, an age selector, and carrier comparison tools (collectively, "Interactive Tools"). You acknowledge and agree that:

• Interactive Tools produce estimates, not quotes. The estimated premiums generated by adjusting the coverage amount slider, selecting an age, or using any other Interactive Tool on this Site are mathematical approximations based on general industry averages. They are not generated from actual carrier rate tables, are not actuarially calculated, and do not constitute an offer, quote, or guarantee of any premium amount.
• Estimates use simplified calculations. The Interactive Tools use proportional scaling and generalized age-based multipliers to generate estimates. These calculations do not account for your individual health history, prescription medications, height and weight, specific carrier underwriting criteria, state-specific rating requirements, policy riders, or dozens of other factors that materially affect actual premium rates.
• Actual premiums may differ significantly. Your actual premium from any carrier may be materially higher or lower than any estimate shown on this Site. The difference between an estimate and an actual quote can be substantial depending on your individual circumstances.
• No reliance. You agree that you will not rely on any estimated premium displayed on this Site — whether through Interactive Tools or otherwise — as a basis for any financial decision, comparison, or purchase. Estimated premiums are provided solely to give you a general sense of the cost landscape for final expense insurance and to encourage you to request a personalized quote from a licensed agent.
• No guarantee of availability. The display of an estimated premium for any carrier or coverage amount does not guarantee that such carrier, product, coverage amount, or rate is available to you based on your age, health, state of residence, or other factors.

4b. Carrier Information

Our Site displays information about insurance carriers, including carrier names, AM Best ratings, product features, underwriting notes, and coverage ranges. You acknowledge and agree that:

• Carrier information is not guaranteed. While we make reasonable efforts to keep carrier information, AM Best ratings, product availability, and underwriting guidelines current and accurate, this information may change at any time without notice. We do not guarantee the accuracy, completeness, or timeliness of any carrier information displayed on our Site.
• AM Best ratings displayed are the ratings publicly available at the time of publication and are the property of AM Best Company. Ratings are subject to change. Visit ambest.com for the most current ratings.
• Product availability varies by state. Not all carriers or products shown on our Site are available in every state. Your agent will confirm which carriers and products are available in your state.
• Underwriting notes are general summaries. Carrier underwriting descriptions on this Site are simplified summaries for informational purposes only. Actual carrier underwriting guidelines are proprietary, complex, and subject to change. Only a licensed agent with access to current carrier guidelines can advise you on your eligibility for a specific product.
• We are not the carrier. Pillar Final Expense is not affiliated with, owned by, or endorsed by any of the insurance carriers listed on our Site. The agent operating Pillar Final Expense is independently contracted with these carriers. Carrier names and logos are the property of their respective owners and are used for identification purposes only.
• Coverage types described are general. Descriptions of immediate coverage, graded benefit, and guaranteed issue products are simplified for consumer understanding. Actual policy terms, conditions, exclusions, waiting periods, benefit schedules, and limitations are governed solely by the issuing carrier's policy contract.

5. Consent to Contact (TCPA Compliance)

By submitting a quote request form on our Site, you provide your express written consent, as required by the Telephone Consumer Protection Act (TCPA) and applicable state and federal laws, for your licensed insurance agent operating under Pillar Final Expense to contact you at the telephone number you provided. You understand and agree that:

• You will receive a telephone call and/or text message(s) from one (1) licensed insurance agent — the owner and operator of Pillar Final Expense
• Communications are for the purpose of discussing life insurance options, providing a personalized quote, and servicing any policy you may obtain
• You will NOT be contacted by multiple agents, call centers, or third parties — only the single licensed agent who operates Pillar Final Expense
• You may receive text messages related to appointment confirmations, follow-ups, or policy information. Message frequency varies. Message and data rates may apply.
• Your consent is not a condition of purchasing any insurance product
• You may revoke consent at any time by replying STOP to any text message, notifying your agent directly, emailing contact@pillarfinalexpense.com, or calling (928) 668-8368
• For questions about text messaging, reply HELP or contact us at the email or phone number above

6. User Representations

By using our Site and submitting information, you represent and warrant that:

• You are at least 18 years of age
• You are a legal resident of the United States
• The information you provide is accurate, complete, and truthful
• You are authorized to provide the phone number and email address submitted
• If submitting information on behalf of another person (e.g., a parent), you have their authorization to do so

7. Data Collection and Use

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, store, and protect your personal information. Key points include:

• Your information is stored in our CRM system and secure data storage (Google Sheets) for business operations, record-keeping, and to facilitate your insurance consultation
• Your information is never sold to third-party marketers, lead aggregators, or other insurance agents
• Your information may be shared with insurance carriers if you choose to apply for coverage
• We use third-party service providers (Zapier, Google Workspace, CRM software) to process and store data, each bound by their own privacy and security obligations

8. Intellectual Property

All content on this Site — including text, graphics, logos, design elements, and code — is the property of Pillar Final Expense or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.

Third-party trademarks, carrier names, AM Best ratings, and logos displayed on this Site are the property of their respective owners and are used solely for identification and informational purposes.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT, INFORMATION, INTERACTIVE TOOLS, PREMIUM ESTIMATES, AND SERVICES PROVIDED ON OR THROUGH THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

We do not warrant that:

• The Site will be available at all times or free from errors
• Any information on the Site, including premium estimates generated by Interactive Tools, carrier details, underwriting notes, and coverage descriptions, is accurate, complete, or current
• The mathematical calculations used by our Interactive Tools produce results that are representative of actual carrier pricing for any individual user
• Any specific insurance product will be available to you or that you will be approved for coverage
• The results of any insurance application will be favorable
• Information passed between pages via URL parameters (such as carrier selection, coverage amount, or age) will be transmitted without error

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PILLAR FINAL EXPENSE AND ITS OPERATOR SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH:

• Your use of or inability to use the Site or any Interactive Tool on the Site
• Any premium estimates, whether static or dynamically generated by Interactive Tools, carrier information, underwriting descriptions, or other content displayed on the Site
• Any decisions you make based on information provided on the Site, including decisions to apply or not apply for insurance based on estimated premiums or carrier information displayed on the Site
• The difference between any estimated premium displayed on the Site and an actual premium quoted or charged by an insurance carrier
• The actions, omissions, or decisions of any insurance carrier, including declination of coverage
• Any unauthorized access to or alteration of your personal information
• Any errors in data passed between pages of the Site via URL parameters or form submissions

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

10a. Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND PILLAR FINAL EXPENSE AGREE THAT ANY CLAIMS OR DISPUTES ARISING OUT OF OR RELATED TO THESE TERMS OR THE SITE SHALL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING, WHETHER AS A NAMED PLAINTIFF, CLASS MEMBER, OR OTHERWISE.

11. Indemnification

You agree to indemnify, defend, and hold harmless Pillar Final Expense and its operator from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorney's fees) arising out of or in connection with: (a) your use of the Site; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any information you provide to us that is inaccurate, misleading, or incomplete.

12. Third-Party Services and Links

Our Site may contain links to third-party websites, including insurance carrier sites, Meta (Facebook), and other platforms. These links are provided for your convenience only. We are not responsible for the content, privacy practices, or terms of any third-party sites. Your use of third-party services is subject to their own terms and policies.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or the Site shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, the dispute shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, with the arbitration taking place in Phoenix, Arizona.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining Terms remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Pillar Final Expense regarding your use of the Site and supersede all prior agreements, representations, and understandings.

17. Contact Us

If you have questions or concerns about these Terms, please contact us:

Pillar Final Expense
Email: contact@pillarfinalexpense.com
Phone: (928) 668-8368
Hours: Monday – Saturday, 9:00 AM – 7:00 PM EST