Terms & 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.

 This Site provides general information about life insurance and related supplemental health products that American Income Life Insurance offers. The Site may allow you to request information, quotes, or to be contacted regarding 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 life insurance and supplemental insurance products offered 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 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 where prohibited by law. Insurance products and services may not be available in all states or jurisdictions. We will only offer or discuss insurance products 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 agree not to use the Site for unlawful purposes, to interfere with the Site's operation, or to attempt unauthorized access.

By submitting your information on the Site, you consent to be contacted about your inquiry 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 or determine product suitability. 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.

 The Site may reference or link to third-party websites, tools, carrier resources, or service providers. 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. Any other use requires our prior written permission.

 The Site and all content 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. 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. 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.

 Any dispute arising from these Terms or your use of the Site will first be subject to good-faith negotiation between the parties. If negotiation does not resolve the dispute within thirty (30) days, either party may pursue legal remedies as provided under these Terms.

Your use of the Site is also governed by our Privacy Policy: https://facingeverest.com/privacy-policy, which explains how we collect, use, protect, and share your information. Please review the Privacy Policy carefully before using the Site.

 We may modify the Site or these Terms at any time. Updates will be posted on this page with a revised "Effective Date" at the top. Material changes may be communicated via email if we have your contact information. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

 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 remain in full force and effect.

 These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles. Any legal action or proceeding related to these Terms or the Site must be brought exclusively in the state or federal courts located in Georgia, and you consent to the jurisdiction of such courts.