Terms & Conditions
Welcome to Final Expense Insurance Website!
These terms and conditions outline the rules and regulations for the use of Final Expense Insurance, located at https://localburialprogram.com/home.
By accessing this website, we assume you accept these terms and conditions. Do not continue to use Final Expense Insurance if you do not agree to take all of the terms and conditions stated on this page.
The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: "Client", "You" and "Your" refers to you, the person log on this website and compliant to the Company’s terms and conditions. "The Company", "Ourselves", "We", "Our" and "Us", refers to our Company, Final Expense Insurance. "Party", "Parties", or "Us", refers to both the Client and ourselves. All terms refer to the offer, acceptance, and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services, in accordance with and subject to, prevailing law of Netherlands. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same
Use of the Website
We employ the use of cookies. By accessing Final Expense Insurance website, you agreed to use cookies in agreement with the Final Expense Insurance Privacy Policy.
Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people to visit our website. Some of our affiliate/advertising partners may also
use cookies.
Cookies
We employ the use of cookies. By accessing Final Expense Insurance website, you agreed to use cookies in agreement with the Final Expense Insurance Privacy Policy. Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people to visit our website. Some of our affiliate/advertising partners may also
use cookies.
Intellectual Property Rights
Subject to your compliance with these Terms and Conditions, Final Expense Insurance grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and make personal, non-commercial use of this site. This license does not include any resale or commercial use of this site or its contents, including but not limited to product listings, descriptions, or prices; any derivative use of this site or its contents; or any use of data mining, robots, or similar data gathering and extraction tools. You may not use any meta tags or any other "hidden text" utilizing our name or trademarks without our express written consent. Any unauthorized use terminates the permission or license granted by Final Expense Insurance.
All copyright, trademarks, design rights, patents and other intellectual property rights (registered and unregistered) in and on this website and all content (including text, images, graphics, videos, and logos) located on the site shall remain vested in Final Expense Insurance or its licensors.
You may not copy, reproduce, republish, disassemble, decompile, reverse engineer, download, post, broadcast, transmit, make available to the public, or otherwise use any content on this website in any way except for your own personal, non-commercial use. Any other use of the website content requires the prior written permission of Final Expense Insurance. Unless otherwise stated, Final Expense Insurance and/or its licensors own the intellectual property rights for all material on Final Expense Insurance. All intellectual property rights are reserved. You may access this from Final Expense Insurance for your own personal use subjected to restrictions set in these terms and conditions.
You must not:
● Republish material from Final Expense Insurance
● Sell, rent or sub-license material from Final Expense Insurance
● Reproduce, duplicate, or copy material from Final Expense Insurance
● Redistribute content from Final Expense Insurance
This Agreement shall begin on the date hereof.
Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. Final Expense Insurance does not filter, edit, publish or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of Final Expense Insurance, its agents and/or affiliates. Comments reflect the views and opinions of the person who posts their views and opinions. To the extent permitted by applicable laws, Final Expense Insurance shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comment
on this website.
Final Expense Insurance reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions
You warrant and represent that:
●You are entitled to post Comments on our website and have all necessary licenses and consents to do so;
● The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;
● The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material which is an invasion of privacy;
● The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.
User Conduct
By submitting any content (including text, images, graphics, videos, and logos) to this
website, you grant Final Expense Insurance a non-exclusive, royalty-free, perpetual,
irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish,
translate, create derivative works from, distribute, and display such content throughout
the world in any media.
You represent and warrant that you own or otherwise control all of the rights to the
content that you submit; that the content is accurate and not misleading; and that use of
the content does not violate this policy and will not cause injury to any person or entity.
You agree that all information or data of any kind, whether text, software, code, music or
sound, photographs or graphics, video or other materials ("Content"), publicly or
privately provided, shall be the sole responsibility of the person providing the Content or
the person whose user account is used. You agree that our website may expose you to
Content that may be objectionable or offensive. We shall not be responsible to you in
any way for the Content that appears on this website, nor for any error or omission.
Limitation of Liability
We shall not be held responsible for any content that appears on your Website. You
agree to protect and defend us against all claims that is rising on your Website. No
link(s) should appear on any Website that may be interpreted as libelous, obscene or
criminal, or which infringes, otherwise violates, or advocates the infringement or other
violation of, any third-party rights.
The content provided on this website is for general information purposes only and does
not constitute legal or financial advice. While we endeavor to keep the information up-
to-date and correct, we make no representations or warranties of any kind, express or
implied, about the completeness, accuracy, reliability, suitability, or availability with
respect to the website or the information, products, services, or related graphics
contained on the website for any purpose. Any reliance you place on such information is
therefore strictly at your own risk.
In no event shall Final Expense Insurance, nor its directors, employees, partners,
agents, suppliers, or affiliates, be liable for any indirect, incidental, special,
consequential, or punitive damages, including without limitation, loss of profits, data,
use, goodwill, or other intangible losses, resulting from (i) your access to or use of or
inability to access or use the site; (ii) any conduct or content of any third party on the
site; (iii) any content obtained from the site; and (iv) unauthorized access, use, or
alteration of your transmissions or content, whether based on warranty, contract, tort
(including negligence), or any other legal theory, whether or not we have been informed
of the possibility of such damage, and even if a remedy set forth herein is found to have
failed of its essential purpose.
Indemnification
You agree to indemnify, defend, and hold harmless Final Expense Insurance, its
officers, directors, employees, agents, licensors, and suppliers from and against all
losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting
from any violation of these Terms and Conditions or any activity related to your account
(including negligent or wrongful conduct) by you or any other person accessing the site
using your account.
Termination
Final Expense Insurance reserves the right to terminate or suspend your access to all or
any part of the site at any time, with or without notice, effective immediately, for any
reason whatsoever, including without limitation if you breach these Terms and
Conditions. Upon termination or suspension, your right to use the site will immediately cease, and we may immediately deactivate or delete your user account and all related
information and files associated with it
Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with
the laws of Memphis, TN without regard to its conflict of law provisions. You agree to
submit to the personal jurisdiction of the courts located in
Your Privacy
Please read Privacy Policy
Reservation of Rights
We reserve the right to request that you remove all links or any particular link to our
Website. You approve to immediately remove all links to our Website upon request. We also reserve
the right to amend these terms and conditions and their linking policy at any time. By
continuously linking to our Website, you agree to be bound to and follow these linking
terms and conditions.
Removal of links from our website
If you find any link on our Website that is offensive for any reason, you are free to
contact and inform us at any moment. We will consider requests to remove links, but we
are not obligated to or so or to respond to you directly.
We do not ensure that the information on this website is correct, we do not warrant its
completeness or accuracy; nor do we promise to ensure that the website remains
available or that the material on the website is kept up to date
Changes to These Terms and Conditions
We reserve the right to modify these terms and conditions at any time without prior
notice. Your continued use of the website after any such changes constitutes your
acceptance of the new terms and conditions.
Terms and Conditions
Please read these terms carefully before using our website and services. These Terms and Conditions apply to Local Burial Program and our Final Expense Insurance services at https://localburialprogram.com/
1. Acceptance of Terms
Welcome to Local Burial Program ("Website," "we," "us," "our," or "Company"). These Terms and Conditions outline the rules for use of our Website and services, located at https://localburialprogram.com/. By accessing or using this Website, you agree to comply with these Terms and Conditions. If you do not agree, please do not use this Website. We reserve the right to modify these Terms and Conditions at any time. Your continued use of the Website following any changes constitutes your acceptance of the new terms.
Important: Not an Insurance Company: Local Burial Program is not an insurance company, insurance agent, or underwriter. We are a platform that provides information and tools to help connect you with licensed insurance carriers and agents who offer final expense life insurance coverage designed to help cover funeral, burial, and other end-of-life expenses. Insurance products are provided by licensed insurance companies, not by Local Burial Program.
Important: Not an Government Program: Local Burial Program is a privately operated website and is not affiliated with, sponsored by, or endorsed by any federal, state, county, or municipal government, the Social Security Administration, Medicare, Medicaid, or any government burial or death benefit program. "Local Burial Program" is the name of our website and services only, and using it does not entitle you to any government benefit.
2. Eligibility
This Website and our services are intended only for residents of the United States who are at least 18 years of age and have the legal capacity to enter into a binding contract. By using this Website, you represent and warrant that you meet these requirements. We do not knowingly offer our services to anyone who does not.
3. Definitions
The following terms apply throughout these Terms and Conditions:
• "You," "Your," "Client," "User," "Prospect": any person accessing or using this Website or our services
• "Company," "We," "Us," "Our," "Local Burial Program": Local Burial Program and all associated entities, subsidiaries, officers, directors, employees, and agents
• Website": the website located at https://localburialprogram.com/ and all associated pages, content, and services
• "Content": all text, images, graphics, videos, logos, and other materials on the Website
• "Services": information, tools, quotes, educational content, and connection services related to final expense insurance
• "Final Expense Insurance": life insurance products designed to help cover funeral, burial, and other end-of-life expenses, offered by licensed insurance carriers
• "Provider": a licensed insurance agent, agency, or carrier to whom we may refer or share your information
• "Lead": information about you that you submit through the Website, which we may share with one or more Providers, with your authorization, so a Provider may contact you about insurance products
4. Our Role and Services
Local Burial Program operates as an independent platform that connects individuals and their families with Providers who may offer final expense insurance coverage. When you submit your information through our Website, you authorize us to collect it as a Lead and share it with one or more Providers so they may contact you about insurance products.
We are not responsible for the legality, accuracy, suitability, or quality of any product or representation made by a Provider, a Provider’s ability to deliver coverage, or a Prospect’s ability to pay for a product. We do not issue insurance policies, bind coverage, negotiate insurance contracts, or provide insurance, tax, legal, or financial advice. We do not guarantee that any Provider will contact you or offer the coverage you requested.
5. Use of Website
By accessing this Website, you agree to:
• Use the Website solely for lawful purposes and in accordance with these Terms and Conditions
• Not engage in conduct that restricts or inhibits anyone's use of or enjoyment of the Website
• Provide accurate, truthful, and complete information when requested
• Not harass, threaten, embarrass, or cause distress or discomfort to any individual
• Not transmit obscene, offensive, or inappropriate messages or material
Prohibited activities include:
• Attempting to gain unauthorized access to the Website or related systems
• Disrupting the normal flow of dialogue or dialogue sequences on the Website
• Using automated tools, bots, or scrapers to access or download content
• Reverse-engineering or decompiling any part of the Website
• Uploading or transmitting viruses, malware, or other harmful code
• Engaging in any form of fraudulent or deceptive activity
• Attempting to manipulate quotes or pricing information
• Providing false or misleading health or beneficiary information
Local Burial Program reserves the right to refuse service to anyone at any time for any reason.
6. Cookies
By accessing the Local Burial Program website, you agree to the use of cookies in accordance with our Privacy Policy. We use cookies to:
• Remember your preferences and settings
• Understand how you use our Website
• Deliver personalized content and advertising related to final expense and burial planning
• Improve Website functionality and security
• Track quote history and policy information
Some of our affiliate and advertising partners may also use cookies on this Website. You can control cookie settings through your browser. For more information, review our Privacy Policy.
7. Intellectual Property Rights
7.1 License Grant
Subject to your compliance with these Terms and Conditions, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and make personal, non-commercial use of this Website. This license does not include:
• Any resale or commercial use of the Website or its contents
• Quote information, pricing data, or insurance product details
• Educational content about wealth-building strategies or life insurance options
• Any derivative use of the Website or its contents
• Any use of data mining, robots, or similar automated data gathering tools
• Use of meta tags or hidden text utilizing our name or trademarks without express written consent
7.2 Ownership
All copyright, trademarks, design rights, patents, and other intellectual property rights in and on this Website and all Content are owned by Local Burial Program or its licensors. All rights are reserved.
5.3 Prohibited Uses
You may not:
• Copy, reproduce, republish, disassemble, or decompile any Content
• Reverse-engineer or download Content from the Website
• Sell, rent, sub-license, or redistribute material from the Website
• Post, broadcast, transmit, or make available any Content to the public without permission
• Modify or create derivative works based on the Website or its Content
• Use our educational content or final expense planning information for commercial purposes
Any unauthorized use terminates the limited license granted by Local Burial Program and may result in legal action.
8. User-Generated Content
8.1 Comments and Submissions
We may provide areas of the Website where users can post comments, questions, or other content. We do not filter, edit, publish, or review comments before they appear on the Website.
8.2 Your Representations
By posting or submitting any content to our Website, you represent and warrant that:
• You are entitled to post the content and have all necessary licenses and consents
• The content does not infringe on any intellectual property rights, including copyright, patent, or trademark
• The content does not contain defamatory, libelous, offensive, indecent, or unlawful material
• The content does not invade privacy rights or solicit commercial activities
• You own or control all rights to the content you submit
8.3 License to Your Content
By submitting content, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display that content worldwide in any media.
8.4 Moderation
We may monitor, review, remove, or edit any comments or user-generated content we determine to be inappropriate, offensive, or in violation of these Terms. Comments do not reflect our views, and we are not liable for any content posted by users.
9. User Conduct
You agree to comply with all applicable laws and regulations when using this Website. You will not:
• Provide false, inaccurate, or misleading information
• Provide false or misleading health information for purposes of obtaining coverage
• Engage in any form of fraud, deception, or misrepresentation
• Violate any local, state, or federal laws or regulations
• Interfere with or disrupt the Website or its services
• Attempt to access restricted areas without authorization
• Use the Website to harass, threaten, or abuse others
• Provide information for purposes of committing insurance fraud
All information, data, or content you provide is your sole responsibility. The Website may contain content you find objectionable, and we are not responsible for such content.
10. Final Expense Insurance Disclaimer
10.1 Not a Government Program
Final expense insurance offered through a Provider is a private insurance product. It is not a government benefit, Social Security benefit, Medicare or Medicaid benefit, or municipal burial assistance program, and applying through our Website does not affect your eligibility for any government benefit.
10.2 Coverage Is Subject to Underwriting
Not all final expense insurance plans guarantee acceptance. Your eligibility, the type of policy offered, and your premium amount depend on your age, health, and the underwriting guidelines of the insurance carrier you are matched with.
10.3 Graded Death Benefits and Waiting Periods
Some final expense policies include a graded or modified death benefit, meaning that if death occurs within a waiting period after the policy is issued (commonly the first two years), the carrier may pay only a partial benefit, such as a return of premiums paid plus interest, rather than the full face amount, except in the case of accidental death. Review your specific policy contract for the terms that apply to you.
10.4 No Guarantees
We make no guarantees regarding coverage availability or approval, premium amounts or policy values, or the amount of any benefit payable under a policy.
11. Disclaimers & Limitations of Liability
11.1 Disclaimer of Warranties
The content on this Website is for general informational purposes only. While we try to keep information accurate and current, we make no warranties regarding:
• The completeness, accuracy, or reliability of the Website or its Content
• The suitability of the information for any particular purpose
• The availability or functionality of the Website
• Any products, services, quotes, or information referenced on the Website
• Beneficiary designations, policy values, or insurance coverage
11.2 "As-Is" Basis
The Website and all Content are provided on an "as-is" and "as-available" basis without warranties of any kind, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
11.3 Limitation of Liability
To the fullest extent permitted by law, Local Burial Program and its directors, employees, partners, agents, suppliers, and affiliates are not liable for any indirect, incidental, special, consequential, or punitive damages, loss of profits, data, or goodwill, or damages arising from your use of (or inability to use) the Website, the conduct of third parties on the Website, unauthorized access to your information, insurance coverage denials, or the financial consequences of any insurance product — whether the claim is based on warranty, contract, tort, or any other legal theory.
Our total liability to you for any claim arising out of or relating to these Terms or your use of the Website is limited to the greater of (a) the total fees, if any, that you paid us in the twelve months before the claim arose, and (b) $200. Any claim or cause of action relating to your use of the Website must be brought within one year after it arises, or it is permanently barred. Some states do not allow these limitations, so they may not apply to you.
11.4 Third-Party Links
This Website may link to third-party sites, including insurance carrier websites. We are not responsible for the content, accuracy, or practices of these external sites. Your use of them is at your own risk and subject to their own terms and privacy policies.
11.5 No Insurance Guarantee
This Website does not guarantee insurance coverage, policy approval, or policy terms. All insurance products are subject to underwriting approval by insurance carriers. Coverage details, premiums, and policy features are determined by the carrier, not by Local Burial Program.
11.5 No Insurance Guarantee
This Website does not guarantee insurance coverage, policy approval, or policy terms. All insurance products are subject to underwriting approval by insurance carriers. Coverage details, premiums, and policy features are determined by the carrier, not by Local Burial Program.
Important Not a Substitute for Professional Advice: This Website provides general information only and is not a substitute for advice from licensed insurance agents, financial advisors, or other professionals. Consult a qualified professional before making any insurance or financial decision.
12. Release of Claims Involving Third Parties
If you have a dispute with a Provider, another user, or any other third party arising from or relating to your use of the Website, you release Local Burial Program and our officers, directors, employees, and agents from any and all claims, demands, and damages of every kind arising from or related to that dispute.
If you are a California resident, you waive California Civil Code Section 1542, which provides that a general release does not extend to claims a creditor does not know or suspect to exist at the time of the release. If you reside in another state with a similar law, you waive the protections of that law to the same extent.
13. Indemnification
You agree to indemnify, defend, and hold harmless Local Burial Program, its officers, directors, employees, agents, licensors, and suppliers from any losses, expenses, damages, costs, and liabilities (including reasonable attorneys’ fees) resulting from:
• Any violation of these Terms and Conditions by you
• Any activity related to your account, including negligent or wrongful conduct
• Your access to or use of the Website
• Your violation of any third-party rights or applicable laws
• Any false or misleading information you provide
• Your interactions with, or use of insurance products obtained through, any Provider
14. No Agency; Independent Contractor Relationship
The relationship between you, Local Burial Program, and any Provider is that of independent contractors. Nothing in these Terms creates an agency, joint venture, partnership, or employment relationship between you and us, or between us and any Provider. We do not have authority to bind any Provider, and no Provider has authority to bind us.
15. Dispute Resolution by Binding Arbitration
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.
15.1 Agreement to Arbitrate
You and Local Burial Program agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Website, or our services (a "Claim") will be resolved through binding individual arbitration rather than in court, except as described below. Before starting an arbitration, you agree to contact us at admin@agentleadlab.com and attempt in good faith to resolve the Claim informally for at least 30 days.
15.2 Class Action Waiver
Any arbitration will be conducted only in an individual capacity, not as a class, collective, consolidated, or representative action. The arbitrator may not combine more than one person’s claims and may not preside over any class or representative proceeding. If this class-action waiver is found unenforceable, this entire Section 15 is null and void, and Claims will instead be resolved in the courts identified in Section 18.
15.3 Arbitration Procedures
Arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, before a single arbitrator, and governed by the Federal Arbitration Act. Unless otherwise agreed, the arbitration will take place in the county where you reside, or may be conducted by phone, video conference, or submission of documents, as the AAA Rules provide.
15.4 Exceptions
This arbitration agreement does not prevent you from bringing an individual claim in small claims court, or from reporting a dispute to a federal, state, or local government agency, including the Federal Communications Commission or Federal Trade Commission.
13. Contact Information
If you have any questions about these Terms and Conditions, please contact us:
Local Burial Program
Email: admin@agentleadlab.com
Website:https://localburialprogram.com
Response Time: We will respond to your privacy inquiries within 30 business days.
Important Information About Local Burial Program
Local Burial Program is not an insurance company, insurance agent, or underwriter. We are a platform that connects individuals with licensed insurance carriers and agents who provide final expense insurance coverage. Insurance products are underwritten and provided by licensed insurance companies, not by Local Burial Program.
By using our services, you acknowledge that you understand our role as a connection platform and agree to these Terms and Conditions.