Terms and Conditions
Last Updated: October 26, 2023
1. Introduction & Agreement
Welcome to YourFEX.com. These Terms and Conditions ("Terms") govern your use of our website and the services, tools, and information we provide. By accessing or using our website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these terms, you must not use our services.
Our mission is to simplify the process of understanding and obtaining life insurance. You can learn more about our philosophy on our About Us page.
2. Our Services & Disclaimers
For Our Clients and Website Visitors
YourFEX.com is an independent life insurance brokerage. We are not an insurance carrier or underwriter. The information, quotes, and tools provided on our site, including our Calculators, are for informational and educational purposes only and do not constitute financial or legal advice.
All insurance product information, policy approvals, rates, and coverage availability are determined solely by the underwriting guidelines of the specific insurance carrier you choose to apply with. While we strive to provide accurate information about how our process works, we do not guarantee eligibility or coverage.
No Guarantee of Coverage: Your submission of information through our Quote & Apply tool does not constitute a binder of insurance or an agreement to provide coverage. All policies are subject to the carrier's final approval.
3. Terms for Partnering Brokers & Agents
This section applies to any licensed insurance agent or broker ("Broker") who partners with YourFEX.com through our Careers portal or associated referral links.
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Broker Responsibilities: All partnering Brokers agree to:
- Maintain an active and valid life insurance license in good standing in all states where they conduct business.
- Fully comply with all carrier-specific contracting, training, and application requirements.
- Never represent themselves as a direct employee of YourFEX, BackNine, Serving Those Who Serve, or Exefincon without explicit written authorization.
- Liability & Indemnification: YourFEX, BackNine, Serving Those Who Serve, and Exefincon are not liable for any individual Broker's compliance violations, errors or omissions in submitted applications, or carrier appointment decisions. Broker agrees to indemnify and hold harmless YourFEX and its partners against any claims arising from the Broker's own actions, misrepresentations, or license violations.
- State Compliance & Marketing: Brokers are solely responsible for adhering to all state-specific regulations, including but not limited to, continuing education requirements and the approval of any marketing materials used. The use of 'Serving Those Who Serve' or 'Exefincon' branding in any broker marketing is strictly prohibited without prior written consent. The YourFEX FEX Blog provides general industry information but does not constitute state-specific compliance advice.
4. Use of Website and Intellectual Property
All content on this website, including text, graphics, logos, tools (such as our Human Life Value Calculator and Final Expense Calculator), and software, is the property of YourFEX.com or its content suppliers and is protected by international copyright laws. You may not reproduce, duplicate, copy, sell, or otherwise exploit any portion of the service without express written permission from us.
5. Limitation of Liability
In no event shall YourFEX.com, nor its directors, employees, partners, or agents, be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your access to or use of, or inability to access or use, the website or any content on the site.
6. Governing Law
These Terms shall be governed and construed in accordance with the laws of the State of North Carolina, United States, without regard to its conflict of law provisions.
7. Changes to These Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any changes by posting the new Terms on this page. Your continued use of the site after any such changes constitutes your acceptance of the new Terms.
8. Contact Information
If you have any questions about these Terms, please contact us at Contact@yourfex.com.
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Looking for Quick Answers?
For the fastest and most detailed response, please use the secure contact form below or email us directly at Contact@yourfex.com. We monitor these channels closely throughout the business day and are committed to providing prompt, helpful answers.
`Absolutely. We believe in providing human support. For general questions or direct assistance from our founder, you can call (336) 303-1457, with the best availability after 4 PM EST. For specific product inquiries during business hours, please use the following dedicated lines:
Term, No-Exam, & Guaranteed Issue: (743) 895-1661
Indexed Life & Annuities / Retirement: (336) 793-9464`
`We have two office locations in Greensboro, NC. Please note that meetings are available by appointment only.
Downtown Greensboro: Wells Fargo Tower, Suite 1650, 300 N Greene St, Greensboro, NC 27401
Pembroke Road: 1844 Pembroke Rd, Greensboro, NC 27408`
No, you don’t. Our Quote & Apply Tool is designed for you to compare real-time rates from top carriers completely on your own, at your own pace. We are only here to help if and when you need us.
Yes. This is one of our specialties. We have extensive experience helping North Carolina residents with various health conditions find excellent coverage. The best first step is to use our secure contact form to briefly describe your situation, and we will provide confidential guidance on your best options.
Absolutely not. This is our core promise. We will **never** sell your information or use it to initiate unsolicited sales calls. We only use your information to answer your specific question. You are always in control.