Terms of Service

Welcome to FamilyGuard Life Insurance by AltFTool. By accessing or using our website, digital customer portals, mobile applications, or coverage evaluation interfaces (collectively, the 'Platform'), you agree to be bound by these Terms of Service.

If you do not agree with all provisions of these Terms, you must discontinue using the Platform immediately.

You must be at least 18 years of age and legally eligible to enter into binding contracts to purchase family income, mortgage, or child education life insurance policies through AltFTool.

• Non-Binding Estimates: Online quote projections provided on the Platform are non-binding premium estimates based on self-reported health, age, and lifestyle information.

• Underwriting Review: Final policy issuance and binding of life insurance coverage are contingent upon full underwriting review, medical risk evaluation, and carrier approval.

• Accurate Statements: You agree to provide true, current, and complete health, tobacco usage, and occupational information during policy application.

• Statutory Warning: Providing intentionally false or misleading statements in connection with a life insurance quote or claim constitutes fraud under applicable laws.

• Designations: Policyholders maintain full authority to designate primary and contingent beneficiaries for life insurance death benefit proceeds.

• Claims Processing: Claim payouts are subject to submission of certified death certificate documentation and verification of beneficiary identity.

• Incontestability: In accordance with statutory provisions, life insurance policies become incontestable after two (2) years from the effective policy date, except for non-payment of premiums.

• Payment Schedule: Premiums are payable in advance on a monthly, quarterly, or annual basis as specified in your policy schedule.

• Statutory Grace Period: A standard 31-day grace period applies to premium payments. Coverage remains active during the grace period.

• Policy Lapse: Failure to remit premiums prior to the expiration of the grace period will result in policy lapse and suspension of death benefit coverage.

• Ownership: All wordmarks, logos, design tokens, software code, benefit calculators, and published guides on the Platform are the exclusive property of FamilyGuard Life by AltFTool.

• Restrictions: You may not reproduce, modify, distribute, or reverse-engineer any portion of the Platform without prior explicit written authorization.

• Policy Contract Controls: In the event of any conflict between website summaries and your official life insurance policy contract or rider, the official insurance contract shall govern completely.

• Indirect Loss: AltFTool shall not be liable for indirect or consequential damages resulting from digital platform downtime or third-party service interruptions.

• Jurisdiction: These Terms shall be governed by and construed in accordance with the laws of the State of Texas and applicable United States federal regulations.

• Dispute Resolution: Any legal disputes arising out of digital platform usage shall be resolved through binding arbitration or state court proceedings in Travis County, Texas.