Terms of Use

About This Site

This website is operated by United Family Insurance, an independent insurance agency licensed in the State of Florida. We are not affiliated with, endorsed by, or acting on behalf of any government agency, mortgage lender, or loan servicer.

Not an Offer of Insurance

Nothing on this site is an offer, binder, or guarantee of coverage. All coverage is subject to carrier underwriting, product availability, and policy terms. Rates, benefits, riders, and approval times vary by carrier, product, state, health class, and individual eligibility.

Calculator Disclaimer

The coverage needs calculator and monthly budget estimator on this site produce illustrative planning estimates only. They use simplified assumptions, do not reflect any specific carrier's rate tables, and do not constitute a quote, an offer, or financial advice. Actual premiums are determined solely by the issuing carrier after underwriting.

Testimonials

Any testimonials, reviews, or client stories referenced on this site reflect the experiences of specific individuals and are not a guarantee of future results. Individual results vary.

Third-Party Links

We are not responsible for the content or privacy practices of sites we link to.

Limitation of Liability

This site is provided "as is." To the fullest extent permitted by law, United Family Insurance disclaims liability for any damages arising from use of this site or reliance on its content.

Governing Law

These terms are governed by the laws of the State of Florida.