Last Updated: December 2025

Website: www.affordablefinalexpenses.com

Business Name: Davey Van Vliet

Contact: [email protected]

Phone: +1 (786) 660-4882

Terms of Service

Effective Date: 12-12-2025

1. Overview

These Terms of Service govern your use of this website, our services, and any communication with Van Vliet Family Legacy (or your brand name), including phone calls, text messages (SMS), emails, and online forms.

By using this website or submitting your information, you agree to these Terms.

If you do not agree, please do not use our services.

2. Nature of Services

We are an independent, state-licensed life insurance agency.

Our role is to:

Provide information about life insurance products

Compare options from multiple A-rated insurance carriers

Help consumers apply for coverage if they choose to do so

We do not provide legal, tax, or investment advice.

Insurance products are subject to underwriting approval by the issuing carrier.

3. Eligibility

Our services are intended for:

U.S. residents

Individuals generally 40 years of age or older

Those seeking information about life insurance or final expense coverage

By submitting your information, you confirm that the details you provide are accurate and truthful.

4. Communication Consent (Calls, SMS, Email)

By submitting your phone number, email address, or other contact information, you expressly consent to being contacted by us, including:

Phone calls (including manual and automated dialing)

SMS / text messages

Voicemails

Emails

These communications may relate to:

Your insurance inquiry

Policy options

Application follow-up

Appointment scheduling

Customer service

Message frequency may vary.

Message and data rates may apply.

Consent is not a condition of purchase.

5. SMS Opt-Out

You may opt out of SMS messages at any time by replying:

STOP

You may also contact us directly to request removal from communications.

After opting out, you may still receive messages necessary to complete an active request you initiated.

6. No Guarantee of Coverage or Rates

We do not guarantee:

Approval for any insurance product

Specific pricing or coverage amounts

Final approval, pricing, and benefits are determined solely by the insurance carrier based on underwriting guidelines.

7. Third-Party Carriers

We work with multiple independent insurance companies.

We are not owned by, nor do we represent only one carrier.

All policies are issued and administered by third-party insurance companies, not by us.

8. Limitation of Liability

To the fullest extent permitted by law:

We are not liable for indirect, incidental, or consequential damages

We are not responsible for decisions made based on information provided unless required by law

Your use of this site and services is at your own discretion.

9. Privacy

Your personal information is handled according to our Privacy Policy, which explains:

What data we collect

How it is used

How it is protected

Please review the Privacy Policy carefully.

10. Changes to Terms

We reserve the right to update or modify these Terms at any time.

Continued use of the website or services after changes constitutes acceptance of the updated Terms.

11. Contact Information

If you have questions about these Terms or our services, contact us at:

Davey Van Vliet

Email: [email protected]

Phone: +1 (786) 660-4882

Licence: #22048101