Terms and Conditions

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By accessing or using this website (the "www.facingeverest.com"), you agree to these Terms & Conditions ("Terms"). If you do not agree, do not use the Site. Additionally, please note that we offer various insurance products, including Accidental Health Insurance, Life Insurance options such as Term Life and Whole Life, to ensure you have the best Life Protection available.

This Site provides general information about life insurance, including options for Term Life, Whole Life, and related supplemental health products such as Accidental Health Insurance offered by American Income Life Insurance. The Site may allow you to request information, quotes, or to be contacted regarding these insurance products from American Income Life.  

Agency Relationship: We are an independent insurance broker affiliated with American Income Life Insurance Company/Globe Life. We represent various life insurance and supplemental insurance products, including Life Protection, through this carrier.  

We do not provide legal, tax, or financial planning advice. Any content is for general informational purposes only. You should consult appropriate professionals for advice specific to your situation.

Insurance coverage, including options like Accidental Health Insurance, Life Insurance, Term Life, and Whole Life, is subject to underwriting, carrier approval, eligibility requirements, and the terms of the issued policy. Quotes (if provided) are estimates only and may change based on underwriting, health history, age, location, and other factors. We do not guarantee that any visitor will qualify for coverage or receive any particular rate.

This site is not intended as an offer to solicit insurance, including Accidental Health Insurance, where prohibited by law. Please note that insurance products and services, such as Life Insurance, Term Life, and Whole Life, may not be available in all states or jurisdictions. We will only offer or discuss insurance products, including options for Life Protection, where properly licensed and permitted.

You agree that any information you submit through the Site (including contact details, health-related screening information, or other personal details) will be accurate and complete to the best of your knowledge. You also agree to use the Site responsibly and not for unlawful purposes, including any activities related to Accidental Health Insurance, Life Insurance, Life Protection, Term Life, or Whole Life. Additionally, you agree not to interfere with the Site's operation or attempt unauthorized access.

By submitting your information on the Site, you consent to be contacted about your inquiry regarding Accidental Health Insurance, Life Insurance, Life Protection, Term Life, and Whole Life policies at the phone number and/or email address you provide. Contact may include calls, emails, and text messages, including via automated technology and prerecorded messages where permitted by law. Message and data rates may apply.

You can opt out of marketing texts at any time by replying STOP (or using any opt-out method described in the message). You can opt out of marketing emails by using the unsubscribe link in any email. Opting out of marketing communications may not affect necessary transactional or service communications related to your policy or application.

We may request basic health screening information to provide preliminary quotes for Accidental Health Insurance or to determine the suitability of Life Insurance products. Any health information you provide will be handled in accordance with our Privacy Policy and applicable law. While we are not a covered entity under HIPAA, we treat your health information with appropriate confidentiality and will only share it with insurance carriers and service providers as necessary to process your inquiry or application for Life Protection, including Term Life or Whole Life options.

The Site may reference or link to third-party websites, tools, carrier resources, or service providers related to Accidental Health Insurance, Life Insurance, Life Protection, Term Life, and Whole Life options. We are not responsible for third-party content, privacy practices, availability, or accuracy. Links do not imply endorsement. Your interactions with third-party sites or carriers are governed by their own terms and privacy policies.

All content on the Site—including text, graphics, logos, and layout—is owned by Facing Everest or our licensors and is protected by intellectual property laws. You may view and use the Site for personal, non-commercial purposes only, such as exploring options for Accidental Health Insurance or comparing Life Insurance policies. Any other use, including commercial inquiries related to Life Protection, Term Life, or Whole Life insurance, requires our prior written permission.

The Site and all content related to Accidental Health Insurance, Life Insurance, Life Protection, Term Life, and Whole Life are provided "as is" and "as available." We make no warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, or that the Site will be error-free, secure, or uninterrupted. Please note that insurance products and their features may change without notice.

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Site, including but not limited to lost profits, business interruption, or loss of data. This limitation of liability applies to all services mentioned on the Site, including Accidental Health Insurance, Life Insurance, Life Protection, Term Life, and Whole Life plans. Our total liability for any claim related to the Site will not exceed $100 or the amount you paid to use the Site (if any), whichever is greater.

You agree to indemnify, defend, and hold harmless Facing Everest, its officers, agents, and affiliates from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your misuse of the Site, violation of these Terms, violation of applicable laws, or any inaccurate or misleading information you provide, including issues related to Accidental Health Insurance, Life Insurance, Life Protection, Term Life, or Whole Life.

By accessing or using this website (the "www.facingeverest.com"), you agree to these Terms & Conditions ("Terms"). If you do not agree, do not use the Site. Additionally, please note that we offer various insurance products, including Accidental Health Insurance, Life Insurance options such as Term Life and Whole Life, to ensure you have the best Life Protection available.

This Site provides general information about life insurance, including options for Term Life, Whole Life, and related supplemental health products such as Accidental Health Insurance offered by American Income Life Insurance. The Site may allow you to request information, quotes, or to be contacted regarding these insurance products from American Income Life.  

Agency Relationship: We are an independent insurance broker affiliated with American Income Life Insurance Company/Globe Life. We represent various life insurance and supplemental insurance products, including Life Protection, through this carrier.  

We do not provide legal, tax, or financial planning advice. Any content is for general informational purposes only. You should consult appropriate professionals for advice specific to your situation.

Insurance coverage, including options like Accidental Health Insurance, Life Insurance, Term Life, and Whole Life, is subject to underwriting, carrier approval, eligibility requirements, and the terms of the issued policy. Quotes (if provided) are estimates only and may change based on underwriting, health history, age, location, and other factors. We do not guarantee that any visitor will qualify for coverage or receive any particular rate.

This site is not intended as an offer to solicit insurance, including Accidental Health Insurance, where prohibited by law. Please note that insurance products and services, such as Life Insurance, Term Life, and Whole Life, may not be available in all states or jurisdictions. We will only offer or discuss insurance products, including options for Life Protection, where properly licensed and permitted.

You agree that any information you submit through the Site (including contact details, health-related screening information, or other personal details) will be accurate and complete to the best of your knowledge. You also agree to use the Site responsibly and not for unlawful purposes, including any activities related to Accidental Health Insurance, Life Insurance, Life Protection, Term Life, or Whole Life. Additionally, you agree not to interfere with the Site's operation or attempt unauthorized access.