Terms of Service

About this site

LTM Insurance operates this site to help people request quotes for final expense life insurance. We are not an insurance carrier. Policies are issued by licensed insurance companies, and coverage is subject to each carrier’s own terms, approval process and state availability.

Quotes are estimates

Any figures shown on this site, including the $25,000 benefit and the “$1 a day” example, illustrate what is available to some applicants. They are not an offer of coverage and not a guarantee of price. Your actual premium and benefit depend on your age, your state and the carrier you choose.

Information you give us

You agree that the information you submit is accurate and that it is your own. Submitting false information may void a resulting policy.

Contact permission

Submitting a form is your request to be contacted about final expense coverage. See our Privacy Policy for the full consent terms and how to withdraw consent.

Our content

The text, images, logo and layout on this site belong to LTM Insurance. You may read and print pages for your own use, but you may not republish or resell them without written permission.

Links to other sites

Where we link to a carrier or another third party, we are not responsible for that site’s content or its privacy practices.

No professional advice

Nothing on this site is legal, tax or financial advice. Speak to a licensed agent or your own adviser before buying a policy.

Limitation of liability

This site is provided as-is. To the fullest extent the law allows, LTM Insurance is not liable for indirect or consequential loss arising from your use of the site.

Changes to these terms

We may update these terms. Continuing to use the site after a change means you accept the updated terms.

Contact us

Questions about these terms can be sent through the contact form.