Terms and conditions
Effective Date: June 26, 2025
Website: familysfirst.net
1. Acceptance of Terms
By accessing or using the FamilysFirst website located at familysfirst.net (the "Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please discontinue use of the Website immediately.
These Terms apply to all visitors, users, and others who access or use the Website.
2. About FamilysFirst
FamilysFirst is an independent life insurance agency headquartered at 9201 Warren Pkwy, Frisco, TX 75035. We work with multiple top-rated insurance carriers to help seniors and families find affordable life insurance coverage. We specialize in Term Life, Whole Life, and Universal Life Insurance products.
FamilysFirst is a licensed insurance agency. Our licensed agents are authorized to sell life insurance products across all 50 U.S. states and the District of Columbia. State-specific license information is available upon request.
3. Description of Services
The Website provides general information about life insurance products, facilitates requests for insurance quotes, connects users with licensed FamilysFirst agents, and offers customer support resources for existing policyholders. Our services include, but are not limited to:
Providing educational information about Term Life, Whole Life, and Universal Life Insurance
Facilitating quote requests and connecting prospective clients with licensed agents
Offering carrier support resources to help existing policyholders manage their policies
Assisting with finding an agent, processing policy questions, and death claim guidance
FamilysFirst acts as an independent insurance agency and intermediary between clients and insurance carriers. We do not underwrite insurance policies.
4. No Insurance Contract
USE OF THIS WEBSITE DOES NOT CONSTITUTE AN INSURANCE CONTRACT, POLICY BINDER, OR COVERAGE COMMITMENT OF ANY KIND. No insurance coverage is in effect until a formal application has been submitted, reviewed, approved by an insurance carrier, and a policy has been issued and the first premium payment has been fully processed.
Any quotes, estimates, or premium indications provided through this Website are for informational purposes only and are subject to change based on underwriting review, health information, and carrier guidelines.
5. Eligibility
To use this Website and inquire about insurance products, you must:
Be at least 18 years of age (or the age of majority in your state of residence)
Be a legal resident of the United States
Have the legal capacity to enter into binding contracts
Certain insurance products may have additional age requirements or eligibility criteria determined by the applicable insurance carrier. Your licensed FamilysFirst agent will advise you of any product-specific eligibility requirements.
6. Accuracy of Information Provided by Users
When requesting a quote, submitting an application, or communicating with FamilysFirst through this Website, you agree to provide complete, truthful, and accurate information. You acknowledge that:
Providing false, misleading, or incomplete information may result in denial of coverage, policy cancellation, or denial of claims
Material misrepresentation on an insurance application is grounds for policy rescission under applicable state law
Health information, lifestyle details, and personal information must be disclosed accurately to ensure proper underwriting
FamilysFirst is not responsible for coverage disputes or claim denials arising from inaccurate or incomplete information provided by the user or policyholder.
7. No Financial, Legal, or Medical Advice
The content on this Website is provided for general informational purposes only. Nothing on this Website constitutes financial advice, legal advice, tax advice, or medical advice. FamilysFirst does not provide investment advice.
You should consult with qualified professionals — including a licensed attorney, financial advisor, or tax professional — before making decisions based on information obtained from this Website. Insurance recommendations from our agents are based on your stated needs and are subject to carrier underwriting approval.
8. Privacy and Personal Information
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, available at familysfirst.net/privacy. By using this Website, you consent to the practices described in our Privacy Policy.
By submitting your information through this Website, you understand and agree that:
Your personal and health information may be shared with insurance carriers for the purpose of obtaining quotes and processing applications
Licensed FamilysFirst agents may contact you by phone, email, or text message in response to your inquiry
Your information will not be sold to unaffiliated third parties for marketing purposes without your consent
9. Communications Consent
By submitting your contact information through this Website, you consent to be contacted by FamilysFirst and its licensed agents via telephone (including calls or texts to mobile numbers), email, and other electronic means for the purpose of providing insurance quotes, follow-up, and customer service.
You may opt out of marketing communications at any time by contacting us at the information provided in Section 14 or by following the unsubscribe instructions in any email communication.
10. Third-Party Carriers and Products
FamilysFirst works with multiple independent insurance carriers. The insurance products offered through FamilysFirst are underwritten and administered by these third-party carriers, not by FamilysFirst. FamilysFirst does not guarantee the financial strength, ratings, or performance of any carrier.
Policy terms, conditions, exclusions, benefits, and premiums are determined solely by the applicable insurance carrier. In the event of a conflict between any information on this Website and the actual policy documents, the policy documents issued by the carrier shall govern.
FamilysFirst is not responsible for carrier decisions regarding underwriting approval, premium changes, policy cancellations, or claim determinations.
11. Policy Management and Payments
Policyholders are responsible for managing their policies directly with their insurance carrier. FamilysFirst provides support resources to assist policyholders but does not process premium payments, policy changes, or claims on behalf of carriers unless expressly authorized.
Regarding missed payments, carriers typically provide a grace period (commonly 30 days) to bring an account current. FamilysFirst is not liable for policy lapses, cancellations, or changes in coverage resulting from missed or late premium payments.
For policy-related changes — including beneficiary updates, payment method changes, or address updates — policyholders should contact their carrier directly using the resources available under the Carrier Help section of this Website.
12. Intellectual Property
All content on this Website, including but not limited to text, graphics, logos, images, and software, is the property of FamilysFirst or its content suppliers and is protected by applicable United States intellectual property laws.
You may not copy, reproduce, distribute, modify, transmit, or create derivative works from any content on this Website without the express written consent of FamilysFirst. Unauthorized use of our content may violate copyright, trademark, and other applicable laws.
13. Disclaimers and Limitation of Liability
THIS WEBSITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FAMILYSFIRST SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THIS WEBSITE OR ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
FamilysFirst does not warrant that the Website will be uninterrupted, error-free, or free from viruses or other harmful components. You are responsible for implementing appropriate safeguards for your devices and data.
14. Third-Party Links and Websites
This Website may contain links to third-party websites, including insurance carrier portals and partner resources. These links are provided for your convenience only. FamilysFirst has no control over the content, privacy practices, or policies of third-party sites and accepts no responsibility for them.
Accessing third-party websites through links on this Website is at your own risk. We encourage you to review the terms and privacy policies of any third-party site you visit.
15. Governing Law and Dispute Resolution
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.
Any dispute arising out of or relating to these Terms, the Website, or our services shall first be submitted to good-faith negotiation between the parties. If the dispute cannot be resolved informally, it shall be submitted to binding arbitration in Collin County, Texas, in accordance with the rules of the American Arbitration Association, unless otherwise required by applicable state insurance law.
Nothing in this section limits your rights to file a complaint with your state insurance commissioner or other applicable regulatory body.
16. State Regulatory Compliance
FamilysFirst operates in compliance with the insurance laws and regulations of each state in which it is licensed. Life insurance products are regulated at the state level, and product availability, terms, and rates may vary by state.
Nothing in these Terms supersedes or limits any rights or protections afforded to you under the insurance laws of your state of residence. In the event of a conflict between these Terms and applicable state law, applicable state law shall control.
17. Changes to These Terms
FamilysFirst reserves the right to modify these Terms and Conditions at any time. Updated Terms will be posted on this Website with a revised effective date. Your continued use of the Website after any such changes constitutes your acceptance of the updated Terms.
We encourage you to review these Terms periodically to stay informed of any updates. Material changes will be communicated through a notice on the Website homepage.
18. Termination of Access
FamilysFirst reserves the right to suspend or terminate your access to this Website at any time, without notice, for conduct that FamilysFirst believes violates these Terms or is harmful to other users, FamilysFirst, its carrier partners, or third parties, or for any other reason at FamilysFirst's sole discretion.
19. Contact Information
If you have questions about these Terms and Conditions, please contact us:
FamilysFirst
9201 Warren Pkwy, Frisco, TX 75035
Email: [email protected]
Website: familysfirst.net/contact-us
These Terms and Conditions were last updated on June 26, 2025. FamilysFirst is an independent insurance agency. Insurance products are underwritten by independent carriers.