Disclaimer

1. General Information

The information provided on this website is for general informational purposes only. It should not be considered as professional insurance, financial, or legal advice.

Elmonte Legacy Corp is an independent licensed insurance agency. We are not employees of, or exclusively contracted with, any single insurance carrier. We are licensed to sell insurance products from multiple carriers to help customers find coverage that fits their individual needs and budget.

2. No Guarantees

While we strive to keep information accurate and up-to-date:

• Insurance rates and availability are subject to change
• Coverage terms may vary by state and provider
• Final rates depend on individual circumstances
• Approval is not guaranteed

3. Third-Party Content

References to third-party products, services, or websites are provided for convenience only and do not constitute endorsement or approval.

4. Professional Advice

Consult with qualified professionals for advice specific to your situation before making any insurance or financial decisions.

5. Accuracy of Information

While we make every effort to ensure accuracy:

• Information may contain technical inaccuracies or typographical errors
• We reserve the right to make changes without notice
• We do not warrant the completeness or accuracy of the information

6. Advertising Disclosure

Final Expense Services is not affiliated with, endorsed by, or sponsored by Google LLC or its affiliates. Google is a trademark of Google LLC.

Final Expense Services (Elmonte Legacy Corp) utilizes Google Ads and other advertising platforms to promote its services and to generate leads. By interacting with our ads and providing your contact information, you consent to be contacted by Elmonte Legacy Corp and its licensed agents regarding life insurance products.

We do not share personal information collected through our quote forms with Google or other advertising platforms. Advertising platforms may use cookies or similar technologies to show our ads to users who have previously visited our website. For more details on how your data is handled, please review our Privacy Policy.

7. Insurance Product Limitations

Insurance products have limitations, exclusions, and terms for keeping them in force. Please consult the specific policy documentation for complete details about coverage, limitations, and exclusions.

Final Expense Services (Elmonte Legacy Corp) is licensed to sell insurance products from 13 insurance carriers, providing coverage in 49 states (excluding New York). However, not all products are available in all states, and coverage options may vary by location.

8. State-Specific Variations

Insurance regulations, coverage options, and policy terms vary by state. The information provided on this website may not reflect the specific requirements or options available in your state.

We currently do not offer services in New York. Residents of New York should consult with insurance providers licensed in their state.

9. Final Expense Policy Limitations

Final expense insurance policies may include a graded benefit period, typically lasting up to 24 months from the policy issue date.

During the graded benefit period:

• The full death benefit may not be payable
• Benefits may be limited to a return of premiums paid, plus interest
• Specific terms vary by carrier and policy

After the graded benefit period ends, the full death benefit applies.

Applicants should review all policy documents carefully before purchasing. Contact your licensed agent for complete details on any specific policy.

10. Contact Information

For questions about this disclaimer, please contact us at:

Final Expense Services
Phone: (800) 493-4603
Email: support@lifeinsuranceservices.com