Terms & Conditions

Effective Date: February 2, 2026
Last Updated: September 4, 2026

These Terms & Conditions (“Terms”) govern your access to and use of the Secure Family Insurance website, quote request forms, appointment scheduling tools, communications, and related services.

By accessing this website or submitting information through our forms, you acknowledge that you have read and agree to these Terms. If you do not agree with these Terms, please do not use the website or submit information through our forms.

1. About Secure Family Insurance

Secure Family Insurance (“Secure Family Insurance,” “Secure-Fi,” “we,” “us,” or “our”) provides insurance-related information, quote assistance, appointment scheduling, customer communications, and related services.

Our website may provide information about life insurance and other insurance products and services. Availability of products, carriers, policy types, coverage amounts, premiums, and eligibility may vary based on individual circumstances, location, carrier guidelines, and underwriting requirements.

2. Use of Our Website

You agree to use this website and our services only for lawful purposes.

You agree not to:

Provide false, misleading, or fraudulent information.
Submit information on behalf of another person without appropriate authorization.
Attempt to gain unauthorized access to our website, systems, or accounts.
Interfere with the security or operation of the website.
Use the website for unlawful, abusive, fraudulent, or deceptive purposes.
Attempt to circumvent security or access controls.
Use information obtained from the website for unauthorized commercial purposes.

We may restrict, suspend, or terminate access to the website when reasonably necessary to protect our systems, users, business, or service providers.

3. Insurance Information and No Guarantee

Information provided on this website is for general informational and educational purposes.

Submitting a quote request does not constitute an application for insurance and does not guarantee that insurance coverage will be offered.

We do not guarantee:

Approval for coverage.
Eligibility for a particular insurance product.
A particular premium or rate.
A particular coverage amount.
A particular underwriting result.
Issuance of a policy.
Availability of a specific insurance carrier or product.

Final eligibility, pricing, coverage, underwriting decisions, and policy issuance are determined according to applicable carrier requirements, underwriting guidelines, policy terms, and applicable law.

Any quote or estimate provided may change based on additional information, underwriting, carrier requirements, or other factors.

4. Quote Requests and Submitted Information

When you submit a quote request, contact form, appointment request, or other inquiry, you agree that the information you provide is accurate and complete to the best of your knowledge.

We may use the information you provide to:

Respond to your inquiry.
Contact you regarding your request.
Provide information about insurance products or services you requested.
Schedule or confirm appointments.
Facilitate insurance-related communications.
Assist with applications or other requested services.
Provide customer support.

Additional information about the collection and use of personal information is provided in our Privacy Policy.

5. Telephone Communications

By providing a telephone number and requesting contact, you may be contacted by Secure Family Insurance regarding your inquiry, quote request, appointment, application, or customer service matter.

Telephone communications may be conducted by representatives, agents, service providers, or other authorized personnel assisting with your request.

Where required by applicable law, appropriate consent will be obtained before communications that require such consent.

6. SMS/Text Messaging

If you separately provide consent to receive SMS/text messages, Secure Family Insurance may send text messages relating to the purpose for which you provided consent.

Depending on the consent you provide, messages may include:

Quote-request follow-up.
Appointment confirmations and reminders.
Requested information regarding insurance options.
Application-related communications.
Customer service communications.
Other communications specifically authorized through the applicable consent process.

Message frequency may vary depending on your interaction with us.

Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP to a message.

You may request assistance by replying HELP.

Consent to receive SMS messages is not a condition of purchasing insurance or any other service.

7. Marketing SMS Consent

Where marketing text messaging is offered, marketing SMS consent will be requested separately from consent for non-marketing or service-related communications.

Marketing SMS consent is optional and is not required to submit a quote request, contact form, or other inquiry.

If you provide marketing SMS consent, you may receive messages concerning insurance products, services, educational information, offers, or related updates.

You may withdraw marketing SMS consent at any time by replying STOP or by contacting us through the methods provided on our website.

8. SMS Consent Records

Where applicable, we may maintain records of SMS consent, including information such as the telephone number, date and time of consent, consent language presented, method or source of consent, and related records necessary to administer communications and demonstrate compliance with applicable requirements.

We may use service providers to facilitate messaging, communications, consent management, appointment scheduling, and related services.

9. Carrier Disclaimer

Wireless carriers are not responsible for delayed or undelivered messages.

Standard message and data rates may apply depending on your mobile carrier and plan.

We cannot guarantee that every text message will be delivered successfully or immediately.

10. Email Communications

If you provide an email address, we may use it to respond to inquiries, provide requested information, communicate regarding appointments or applications, provide customer service, or send other communications permitted by applicable law and your preferences.

You may unsubscribe from applicable marketing email communications using the unsubscribe mechanism included in those messages.

Service-related communications may still be sent when reasonably necessary to fulfill a request or provide a service.

11. Privacy

Your use of this website is also governed by our Privacy Policy.

Our Privacy Policy explains how we collect, use, disclose, retain, and protect personal information, including information submitted through quote forms, contact forms, appointment requests, telephone communications, email, and SMS communications.

By using this website, you acknowledge that you have had an opportunity to review the Privacy Policy.

12. Personal and Insurance-Related Information

Depending on the services you request, you may voluntarily provide information such as your name, telephone number, email address, address, date of birth, insurance-related information, and information necessary to evaluate or facilitate an insurance inquiry or application.

Please do not submit information that is not reasonably necessary for the service you are requesting.

We may use authorized service providers, insurance professionals, carriers, underwriting partners, and other parties where reasonably necessary to provide the requested services and as otherwise described in our Privacy Policy.

13. Third-Party Services and Insurance Carriers

Our services may involve third-party technology providers, communication providers, scheduling services, insurance carriers, licensed insurance professionals, underwriting organizations, and other service providers.

Third-party services may operate under their own terms and privacy practices.

Insurance products are provided subject to the terms, conditions, eligibility requirements, underwriting guidelines, and availability of the applicable insurance carrier.

14. No Professional, Legal, Tax, or Financial Guarantee

Information provided through this website should not be interpreted as legal, tax, accounting, or other professional advice.

Insurance decisions should be based on your individual circumstances and, where appropriate, consultation with qualified professionals.

Nothing on this website creates a guarantee of financial results, tax treatment, insurance approval, or coverage.

15. Electronic Communications

By using the website, submitting an online form, or communicating with us electronically, you consent to receive electronic communications where permitted by law.

Electronic communications may include emails, text messages, appointment notifications, confirmations, notices, and other communications related to your requests or interactions with us.

You may withdraw consent to certain electronic communications where applicable, although withdrawal may affect our ability to provide particular services electronically.

16. Intellectual Property

The Secure Family Insurance name, branding, logos, website design, text, graphics, images, videos, and other website materials are owned by Secure Family Insurance or used with permission.

Except where expressly permitted, you may not reproduce, distribute, modify, publish, sell, or commercially exploit website materials without prior written permission.

17. Acceptable Use

You agree not to use our website or services to:

Engage in fraud or deception.
Harass our personnel or service providers.
Submit malicious or intentionally misleading information.
Attempt unauthorized system access.
Introduce malicious software or code.
Disrupt website functionality.
Violate applicable laws or regulations.
Violate another person’s rights.

18. Website Availability

We attempt to keep the website available and functional but do not guarantee uninterrupted access.

The website may occasionally be unavailable because of maintenance, technical problems, service-provider outages, security issues, or circumstances outside our reasonable control.

We may modify, update, suspend, or discontinue portions of the website or services at any time.

19. Disclaimer of Warranties

To the fullest extent permitted by applicable law, the website and its content are provided on an “as is” and “as available” basis.

We do not warrant that:

The website will always be available.
The website will be error-free.
Information will always be complete or current.
Communications will always be delivered.
A particular insurance product will be available.
You will qualify for insurance coverage.
An insurer will approve an application.

Nothing in these Terms limits rights or protections that cannot legally be excluded.

20. Limitation of Liability

To the fullest extent permitted by law, Secure Family Insurance will not be responsible for indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of, or inability to use, the website or services.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

21. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Secure Family Insurance, its personnel, agents, contractors, and service providers from claims, liabilities, damages, losses, and reasonable expenses arising from your unlawful use of the website, violation of these Terms, or violation of another person’s rights.

22. Age Requirement

You must be at least 18 years old, or the applicable age of majority in your jurisdiction, to use our website and submit requests through our services.

By using the website, you represent that you meet this requirement.

23. Termination

We may suspend or terminate access to the website or particular services when reasonably necessary, including where a user violates these Terms, applicable law, or security requirements.

Termination does not affect provisions that by their nature should continue after termination.

24. Changes to These Terms

We may update these Terms periodically.

When we make changes, we may update the “Last Updated” date displayed on this page.

Your continued use of the website after updated Terms are posted constitutes acceptance of the updated Terms to the extent permitted by applicable law.

25. Governing Law

These Terms are governed by the applicable laws of the jurisdiction governing the Secure Family Insurance operating entity, without regard to conflict-of-law principles, except where applicable law provides otherwise.

Nothing in these Terms is intended to deprive consumers of rights or protections that cannot legally be waived.

26. Severability

If any provision of these Terms is determined to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in effect.

27. Entire Agreement

These Terms, together with our Privacy Policy and any other policies expressly incorporated into these Terms, constitute the agreement governing your use of the website and services, except where a separate written agreement applies.

28. Contact Information

Questions regarding these Terms, privacy, communications, or SMS preferences may be submitted through our contact page.

Secure Family Insurance / Secure-Fi

Website: https://secure-fi.com/

Contact: https://secure-fi.com/contact/

For SMS opt-out, you may also reply STOP to any text message received from us.

For SMS assistance, reply HELP.