Important Disclosures

Please read these important disclosures before purchasing mortgage protection insurance.

Important: These disclosures contain important information about mortgage protection insurance products and services. Please read carefully.

Mortgage Protection Insurance Disclosures

Mortgage Protection Insurance

  • Coverage is subject to underwriting approval
  • Premiums may increase with age and health changes
  • Policy benefits are paid to designated beneficiaries
  • Some policies may have waiting periods for certain causes of death

Term Life Insurance

  • Coverage expires at the end of the term period
  • Premiums may increase upon renewal
  • No cash value accumulation
  • Conversion options may be available

Financial Disclosures

  • Commission Structure: We receive commissions from insurance carriers for policies sold
  • Carrier Selection: We work with multiple carriers to find the best rates and coverage
  • No Additional Fees: Our services are provided at no additional cost to you
  • Rate Guarantees: Premium rates are not guaranteed and may change

Regulatory Disclosures

State Licensing

Family First Benefits is licensed in all 50 states. License numbers available upon request.

Carrier Ratings

We only work with A+ rated insurance carriers for financial stability.

Consumer Protection

All policies are subject to state insurance regulations and consumer protection laws.

Privacy and Data Disclosures

  • Personal information is collected for insurance purposes only
  • Health information is shared with carriers for underwriting
  • Data is protected according to HIPAA and state privacy laws
  • We do not sell personal information to third parties

Limitation of Liability

Family First Benefits acts as an insurance broker and is not responsible for:

  • Insurance carrier financial stability or claims decisions
  • Policy terms and conditions set by carriers
  • Changes in insurance regulations or laws
  • Market conditions affecting premium rates

Contact Information

For questions about these disclosures, please contact us:

Family First Benefits

Phone: 888-247-6104