Terms and Conditions

The following terms and conditions apply to all services offered by www.statefinalexpense.com (“State Final Expense,” “we,” “our,” or “us”). By using this website, you agree to comply with and be bound by the terms described below. Please read them carefully before using our services.

COPYRIGHT

All content, text, images, and materials provided on this website are owned or licensed by State Final Expense. The information shared on this site is for personal, non-commercial use only. You may not copy, reproduce, or distribute any part of the website content without prior written permission from State Final Expense.

Any educational or informational materials we provide (including brochures, guides, or quote forms) are for general use only and remain the intellectual property of State Final Expense.

PAYMENT

Some of our services, such as insurance policy applications or premium-related services, may require payment. Any fees or premium payments must be made in full as agreed upon before services are provided. All transaction fees, processing costs, and applicable taxes are the responsibility of the client or policyholder.

POLICY REVISIONS OR CHANGES

We strive to provide accurate, up-to-date information on insurance products and services. However, policy details, pricing, and terms may change over time. Clients can request updates or clarifications about their policies within 7 days of receiving their policy documentation. For special cases, requests made within 14 days will also be considered.

Any policy adjustments or corrections will be handled as per the terms of the insurance provider and applicable state regulations.

SERVICE REQUIREMENTS

Before processing a final expense policy or insurance quote, our agents will confirm all necessary client information, including personal, financial, and medical details (if applicable). Failure to provide accurate or complete information may result in delays, cancellations, or denial of coverage.

All services will be provided in accordance with the terms agreed upon during your consultation or online application.

REFUND POLICY

We are committed to transparency and customer satisfaction. However, due to the nature of insurance products, refunds are only available under specific conditions, as governed by insurance provider policies and state insurance laws.

Refunds may be approved only if:

• A payment was made in error or duplicate.
• A cancellation request was submitted before policy activation.
• A technical issue prevented proper processing of the application.

Refunds cannot be issued if:

• A policy has already been activated or processed.
• The client changes their mind after coverage begins.
• The client provides incomplete or false information during the application.
• The cancellation request is made after the cooling-off period (if applicable).

All approved refunds will be processed within 7–14 business days using the original payment method.

TERMS OF USE OF THIS WEBSITE

The information provided on www.statefinalexpense.com is intended for educational and informational purposes only. It does not constitute financial, legal, or insurance advice.

While we strive for accuracy, State Final Expense does not guarantee that all information, prices, or policy details on this site are error-free or up to date. Users are encouraged to verify details before making any insurance-related decisions.

We are not responsible for any damages or losses arising from:

• Website errors or technical issues.
• Service interruptions, delays, or data breaches.
• Reliance on information provided without professional consultation.

By using this website, you agree to indemnify and hold State Final Expense and its employees harmless from any claims or losses arising from misuse of this site or violation of these terms.

This website’s use does not create any joint venture, partnership, or employment relationship between you and State Final Expense.

DISCLAIMER

All third-party logos, brand names, and trademarks displayed on our website are the property of their respective owners. State Final Expense is not affiliated, associated, or endorsed by any of these companies unless explicitly stated.

All information presented on this site is for informational purposes only and should not be interpreted as professional or legal advice. We do not guarantee the completeness, accuracy, or reliability of the content provided. Any reliance you place on the information on this site is strictly at your own risk.