Terms And Conditions

Dirt Cheap Burial Insurance

1. INTRODUCTION AND AGREEMENT

Welcome to Dirt Cheap Burial Insurance ("Company," "we," "us," "our"), a life insurance agency doing business as Dirt Cheap Burial Insurance

We operate the website DirtCheapBurialInsurance.com and related services (collectively, the "Services"). By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with these Terms, you are expressly prohibited from using our Services and must discontinue use immediately.

You can contact us by:

Phone: 800-966-4430,
Email: [email protected]

2. INSURANCE LICENSING AND LEGAL COMPLIANCE

2.1 Licensing Disclosure

We are a licensed life insurance agency operating under all required state licenses. Our representatives are properly licensed insurance producers in the states where they conduct business. License information is available upon request.

2.2 Regulatory Compliance

All insurance-related activities conducted through our Services comply with applicable insurance laws and regulations, including but not limited to:

State insurance licensing laws, Insurance marketing and advertising regulationsState and federal privacy laws applicable to insurance transactions, Anti-fraud statutes and regulations, Replacement regulations, State-specific insurance requirements

3. SERVICES DESCRIPTION

3.1 Insurance Broker/Agency Services

We act as an insurance broker/agency, representing multiple insurance carriers. Our primary services include:

Providing information about burial insurance and final expense life insurance policies, Obtaining insurance quotes from our contracted carriersAssisting with insurance applications, Facilitating policy issuance and delivery, Providing ongoing service for existing policies

3.2 No Legal, Tax, or Investment Advice

We do not provide legal, tax, or investment advice. Any information provided about insurance products is for general educational purposes only and should not be construed as legal, tax, or investment advice.

3.3 Quote and Policy Accuracy

Any quotes provided through our Services are estimates based on the information provided and are subject to:

Full underwriting by the insurance carrierMedical questionnaires and/or examinations as required, Final approval by the insurance carrierPolicy terms and conditions as issued by the insurance carrier

The binding insurance contract is solely between you and the issuing insurance carrier, governed by the terms of the policy as issued.

4. USER ELIGIBILITY AND REPRESENTATIONS

By using our Services, you represent and warrant that:

You are at least 18 years of age, You possess the legal capacity to enter into binding contracts, You will provide truthful, accurate, and complete information, You will not use our Services for any fraudulent or unlawful purpose, You will not impersonate any person or misrepresent your identity or affiliation, You will comply with all applicable insurance laws and regulations

5. PROHIBITED ACTIVITIES

When using our Services, you agree not to:

Provide false, misleading, or fraudulent information in insurance applications, Engage in insurance fraud, misrepresentation, or material omission of facts, Submit applications for persons without their knowledge and consent, Manipulate or circumvent underwriting or rating processes, Use the Services to engage in money laundering or other financial crimes, Attempt to reverse engineer, modify, or interfere with the functionality of our Services, Violate any insurance laws, regulations, or carrier requirements, Engage in activities that could subject us to regulatory penalties or investigation, Attempt to damage, disable, or overburden our systems or networks, Collect or harvest personal information about other users

6. INTELLECTUAL PROPERTY RIGHTS

6.1 Ownership

We own or license all intellectual property rights in our Services, including all content, functionality, software, designs, text, graphics, logos, and trademarks (collectively, the "Content").

6.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services solely for personal, non-commercial purposes related to exploring or purchasing insurance products.

6.3 Restrictions

Except as expressly permitted in these Terms, you may not:

Copy, reproduce, distribute, or display any part of our ContentModify, create derivative works, reverse engineer, or decompile our Services, Remove or alter any copyright, trademark, or other proprietary noticesUse our Content for commercial purposes, Transfer your rights to access or use our Services, Use our trademarks, service marks, or trade names in any manner without our prior written consent

6.4 Your Submissions

By submitting any questions, comments, suggestions, or feedback ("Submissions") to us, you grant us an unrestricted, perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, modify, publish, distribute, and display such Submissions for any purpose.

7. INSURANCE APPLICATION PROCESS

7.1 Application Submission

When you submit an insurance application through our Services:

You authorize us to submit your application to appropriate insurance carriersYou confirm that all information provided is truthful, complete, and accurateYou understand that material misrepresentations or omissions may result in denial of coverage, rescission of policies, or denial of claimsYou authorize insurance carriers to verify the information provided, including medical and financial information

7.2 Medical Information Authorization

For applications requiring health information:

You authorize healthcare providers to release your medical information to insurance carriersYou understand that this information will be used for underwriting purposes, You acknowledge that false health information constitutes insurance fraudYou understand that health information may impact your eligibility and rates

7.3 Policy Issuance and Delivery

Upon approval of your application:

The insurance carrier will issue a policy according to their procedures, Policy delivery may be electronic or physical, in accordance with state regulations, Coverage is not in force until the policy is issued, delivered, and any required initial premium is paidThe effective date of coverage is determined by the insurance carrier

8. RELATIONSHIPS WITH INSURANCE CARRIERS

8.1 Agency Relationships

We are appointed with multiple insurance carriers as an independent agency/broker. We are not employees of any insurance carrier featured on our Services.

8.2 Compensation Disclosure

We receive compensation in the form of commissions from insurance carriers when policies are issued. The commission amount varies by product and carrier. This compensation does not affect the premium you pay.

8.3 No Carrier Endorsement

The presence of a carrier's products on our Services does not constitute an endorsement by that carrier of our Services or other products displayed.

9. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

WARRANTIES OF MERCHANT, ABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY OR COMPLETENESS OF CONTENT, SYSTEM SECURITY OR RELIABILITY, ERROR-FREE OR UNINTERRUPTED SERVICE

WE DO NOT WARRANT THAT THE INSURANCE INFORMATION PROVIDED IS ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. INSURANCE PRODUCT INFORMATION IS SUBJECT TO CHANGE WITHOUT NOTICE, AND THE FINAL TERMS OF ANY INSURANCE POLICY ARE GOVERNED SOLELY BY THE POLICY DOCUMENTS ISSUED BY THE INSURANCE CARRIER.

10. LIMITATION OF LIABILITY

10.1 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE, OUR AFFILIATES, OR OUR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR REPRESENTATIVES BE LIABLE FOR:

ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, DAMAGES RELATING TO YOUR ACCESS TO, USE OF, OR INABILITY TO ACCESS OR USE THE SERVICES, DAMAGES RELATING TO ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OR RELATED TO THE SERVICES, DAMAGES IN ANY MANNER RELATED TO ANY INSURANCE PRODUCT OR COVERAGE

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL BE LIMITED TO THE AMOUNT YOU HAVE PAID US, IF ANY, FOR USE OF THE SERVICES DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

10.2 Indemnification

You agree to defend, indemnify, and hold harmless Dirt Cheap Burial Insurance, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

Your violation of these TermsYour use of the ServicesAny information you submit through the ServicesAny misrepresentation or fraud in the insurance application process

11. PRIVACY AND DATA PROTECTION

11.1 Privacy Policy

Our Privacy Policy, available at DirtCheapBurialInsurance.com, governs our collection and use of your personal information. By using our Services, you consent to the terms of our Privacy Policy.

11.2 Insurance Information Practices

We comply with the Insurance Information Practices Act and similar state laws regarding:

Collection and disclosure of personal information for insurance purposesProtection of nonpublic personal informationSharing of information with insurance carriers and service providersYour rights to access and correct your personal information

11.3 Health Information

All protected health information is handled in accordance with applicable laws, including HIPAA when applicable. We implement appropriate safeguards to protect sensitive health information.

12. TERM AND TERMINATION

12.1 Term

These Terms will remain in full force and effect while you use the Services.

12.2 Termination

We reserve the right to:

Terminate or suspend your access to our Services immediately, without prior notice or liability, for any reasonDiscontinue providing the Services or any part thereof without prior noticeRefuse service to anyone for any reason at any time

12.3 Effect of Termination

Upon termination:

Your right to use the Services will immediately ceaseAny provisions that by their nature should survive termination shall surviveTermination will not affect any insurance policies already issued

13. INSURANCE-SPECIFIC LEGAL PROVISIONS

13.1 Replacement Notices

If you are replacing an existing life insurance policy, you acknowledge that:

You must receive and sign all required replacement noticesReplacement may not be in your best interest in all circumstancesThere may be surrender charges, waiting periods, or tax implications

13.2 Free Look Period

All insurance policies issued through our Services are subject to a "free look" period (typically 10-30 days, depending on state regulations) during which you may cancel the policy for a full refund of premiums paid.

13.3 Policy Controlling

The insurance policy as issued by the carrier constitutes the entire agreement between you and the insurance carrier. In the event of any conflict between information on our Services and the policy, the policy language controls.

13.4 State Variations

Insurance requirements vary by state. The Terms applicable to you may be modified by state-specific provisions based on your state of residence.

14. MISCELLANEOUS LEGAL PROVISIONS

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without giving effect to any principles of conflicts of law.

14.2 Dispute Resolution

Any dispute arising from these Terms or your use of the Services shall be resolved by binding arbitration in Chicago, Illinois, in accordance with the rules of the American Arbitration Association. You agree to waive any right to bring class actions or claims on a representative basis.

14.3 Severability

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

14.4 No Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision.

14.5 Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt to assign or transfer these Terms without such consent will be null and void.

14.6 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Services and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral.