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Terms of Use

Last Updated: October 14, 2026

Please read these Terms of Use (“Terms”) carefully before using this website or calling us to request information about final expense, burial, or life insurance (collectively, the “Service”). Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms.

These Terms apply to all visitors, callers, and others who access or use the Service. By accessing, browsing, or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, do not use the Service.

1. Description of Service and No Endorsement

This Website is a free informational and referral service that connects consumers with licensed insurance agents and carriers. We are not an insurance company, agent, or broker, do not issue policies, and do not give insurance, legal, or tax advice. Coverage, rates, and eligibility are determined solely by the insurer.

Verify that any agent you speak with is licensed in your state through your state Department of Insurance. We do not endorse, warrant, or guarantee any policy, carrier, agent, price, or advice obtained through the Service. Any application, policy, payment, or dispute between you and an agent, agency, or carrier is solely between you and that third party.

2. Telemarketing (TCPA) Agreement

By calling us or submitting your contact information and information requests through this Website, you agree to the following:

  • Authorization to Share: You authorize us to share your information with our Marketing Partners (listed in Section 9 below) so they may provide insurance quotes and information.
  • Express Consent to Contact: You provide your prior express written consent for our Marketing Partners, their licensed agents, and their marketing systems to contact you about insurance offers and follow-ups.
  • Automated Technologies: You agree these entities may contact you by telephone calls, prerecorded or artificial voice messages, and text messages (SMS/MMS), including through automated dialing technology.
  • Scope of Consent: This consent applies even if the number you provide is a wireless number and even if it is registered on any state, corporate, or federal Do Not Call Registry.
  • Non-Conditionality: Your consent is voluntary and is not a condition of purchasing any goods or services. Message and data rates may apply. You may revoke consent at any time by telling the caller, replying STOP to a text, or emailing terms-of-use@localspark.ai.

3. Prohibited Website Use

You agree not to use this Website for any unlawful purpose or in any manner that could damage, disable, or impair it. Specifically, you agree not to:

  • Copy, crawl, scrape, or harvest text, images, or content from this Website using automated tools without our prior express written permission.
  • Submit false, fraudulent, inaccurate, or intentionally misleading information.
  • Introduce viruses, trojans, worms, or other malicious technologies designed to breach the security or functionality of the Service.

4. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE, OUR PARENT ENTITIES, DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR EXEMPLARY DAMAGES RESULTING FROM: (A) YOUR USE OF OR INABILITY TO USE THE SERVICE; (B) THE CONDUCT, ADVICE, ACTIONS, OR INACTIONS OF ANY MARKETING PARTNER, AGENT, AGENCY, OR CARRIER; (C) THE TERMS, PRICING, UNDERWRITING, OR CLAIMS HANDLING OF ANY INSURANCE POLICY; (D) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR INFORMATION; OR (E) ANY TELEMARKETING COMMUNICATIONS RECEIVED BY YOU AS A RESULT OF USING THE SERVICE.

5. Indemnification

You agree to indemnify, defend, and hold harmless this Website, its operators, and affiliates from any claims, damages, liabilities, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your violation of these Terms; (b) any fraudulent, false, or untruthful information you provide; or (c) disputes between you and any insurance agent, agency, or carrier.

6. Third-Party Links

The Service may contain links to third-party websites or tools that we do not own or control. We assume no responsibility for the content, privacy practices, terms, or operations of any third-party website. You use third-party links at your own risk.

7. Governing Law

These Terms and any dispute arising from your use of this Website or Service are governed by the laws of the State of Florida, without regard to its conflict of law provisions. Any legal action related to the Service must be brought exclusively in a court of competent jurisdiction located in Florida.

8. Changes to These Terms

We may modify, update, or replace these Terms at any time. Updates will be posted on this page with a revised “Last Updated” date. Your continued use of the Website after any changes constitutes acceptance of the new Terms.

9. Marketing Partners

When you call us or request information about final expense, burial, or life insurance, you agree that your information may be shared with, and you may be contacted by, licensed insurance agents, agencies, carriers, and marketing companies, including those listed below and their affiliates. They may contact you by phone call, text message (SMS/MMS), or email, including through automated dialing technology and artificial or prerecorded voice, at the number you provide, even if it is on a state or federal Do Not Call list. Consent is not a condition of purchase. You may revoke consent at any time by telling the caller, replying STOP to a text, or contacting us.

  • 21st Century Insurance
  • 2insure4less
  • 5 Star Auto Protection
  • 7Made Media
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  • A&B Insurance and Financial
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  • Lighthouse Insurance Group
  • Lincoln National
  • Lion Insurance Group
  • Liz Byrne USHA
  • LNK Insurance Services
  • LoanDepot.com, LLC, mellohome, and their corporate parents, affiliates, and partners
  • Lockton Affinity Group
  • Longevity Alliance
  • Louisiana Health Services
  • Loyal American
  • LPN
  • LQ Digital
  • LS Lead Generation
  • LTC Financial Partners
  • Lumbermens Mutual
  • LVOA
  • M Plan Inc.
  • Managed Health Inc.
  • MAPFRE Insurance Company
  • Marathon
  • Markel American
  • Martin Financial
  • Martin’s Point
  • Maryland Casualty
  • Mass Mutual
  • Mass Nexus
  • Massachusetts Mutual
  • Massive&Co
  • Match Media Group
  • Matrix Direct
  • Matt Rudolph Insurance
  • Maxim Strategies
  • Maxxlocal
  • Mayberry Advisors Insurance Services
  • Mayo Lab
  • MCGP International
  • McLaren Insurance Solutions
  • MedGapDirect
  • MedGuard Alert, Inc
  • Medi-Share
  • Media Champs
  • Media Mix 365
  • MediaAlpha
  • MediaMatchGroup
  • Medica
  • Medical Card System Inc.
  • Medical Mutual of Ohio
  • Medicare Benefits Team
  • Medicare Connect
  • Medicare Group USA LLC
  • Medicare Help Centers
  • Medicare Providers
  • Medicare Solutions
  • Medicare10
  • MedicareAdvantage.com
  • MedicareProz
  • Medigap
  • MEGA Life and Health
  • Mega/Midwest
  • Mellohome LLC
  • Memorial Hermann
  • Mendota
  • Merastar
  • Mercury Insurance
  • Mercy
  • MetLife
  • Metropolitan Insurance Co.
  • Mid Century Insurance
  • Mid-Continent Casualty
  • Mid-West Ntl. Life
  • Middlesex Insurance
  • Midland National
  • Midwest Mutual
  • Migo Insure
  • Mikayla Data
  • Millbank
  • Millennial Home Lending
  • Millers Mutual
  • Milwaukee General
  • Milwaukee Guardian
  • Milwaukee Mutual
  • Minnehoma
  • Minnesota Mutual
  • Miro Health Agency
  • Mission Loans
  • Mississippi Insurance
  • Missouri General
  • MJ Direct
  • MMI Group
  • MMM Healthcare Inc.
  • Mobile Help
  • Modern Health, LLC
  • Modern Woodmen of America
  • Molina
  • Molina Healthcare Inc.
  • Montys Health Agency
  • Mony Group
  • Motors
  • Mountain Financial
  • Mountain Laurel
  • Mutual Health Partners
  • Mutual Insurance
  • Mutual Of Enumclaw
  • Mutual of New York
  • Mutual of Omaha
  • MVP
  • My Health Advisors
  • My Health Angel
  • My Health Group
  • My Medicare Ally
  • MyHippo
  • MyInsuranceExpert
  • Mymedicareadvantageusa
  • Nation Health Advisors
  • National Alliance
  • National Auto Protection Corp.
  • National Ben Franklin Insurance
  • National Better Living Association
  • National Brokerage
  • National Brokers of America
  • National Casualty
  • National Colonial
  • National Continental
  • National Continental Insurance
  • National Disability
  • National Family Assurance Group, Inc.
  • National General Insurance
  • National Health Connect, LLC
  • National Health Hub, LLC
  • National Health Insurance
  • National Health Plans
  • National Health Solutions
  • National Healthcare Market
  • National Income Life Insurance Company
  • National Indemnity
  • National Insurance
  • National Merit
  • National Plan Advisors
  • National Surety Corp
  • National Union Fire Insurance
  • National Vehicle Protection Services, Inc.
  • Nations Health Group Guide One Insurance
  • Nations Insurance Solutions
  • Nationwide Insurance Company
  • Native Media, LLC
  • Nat’l Farmers Union
  • Navy Mutual Aid Association
  • NCWC
  • Neighborhood Health Plan Inc.
  • Neilson Financial Services
  • Neo Ogilvy
  • Nest Insurance Agency
  • Net Health Affiliates
  • NetQuote
  • New Age Health Solutions, Inc.
  • New American Funding
  • New England Financial
  • New Era
  • New York Life Insurance Group
  • Newins
  • NewQuest
  • NewStrata
  • NGIC
  • NHA
  • Nikia Media
  • NILCO
  • NMP Insurance Services, LLC / NameMyPremium
  • Noridian Mutual Insurance Company
  • North American
  • North Pacific
  • North Shore
  • Northern Capital
  • Northern States
  • Northland
  • Northpointe Bank
  • Northwest Pacific
  • Northwestern Mutual
  • Norvax, LLC.
  • NRG
  • NuHealth
  • Number One Health Insurance Agency
  • Number One Prospecting
  • NuStar Insurance
  • Nxtlevel Health
  • Oak Hill Insurance
  • Oak Street Health
  • OctaneFire
  • Offer Advisors
  • Offer Strategy
  • Official-Auto-Insurance.com
  • OHealth Group
  • Ohio Casualty
  • Ohio National Life
  • Ohio Security
  • Old Mutual US Life
  • Olympia
  • Omaha
  • Omega Auto Care
  • Omni Insurance
  • Omnis Pro Insurance
  • ONCOR Insurance Services
  • One Health
  • One Touch Direct
  • OneMain Financial Group, LLC
  • Online Insurance Solutions LLC
  • Onviant
  • Onviant Insurance Agency Inc.
  • Onyx Digital Media
  • Open Market Quotes
  • OpenJar
  • Opportunity Financial, LLC
  • Optimize.Ad
  • Optimum HealthCare
  • Oregon Mutual
  • Orion Insurance
  • Oscar Health Insurance
  • Outlook Advisors
  • Overflow Works
  • Oxford Insurance
  • Oxford Marketing Partners, LLC
  • Pacific Benefits Group
  • Pacific Insurance
  • Pacificare
  • Pafco General Insurance
  • Palisades Media Group
  • Palmer Administrative Services
  • Palmetto Senior Solutions
  • Palms Health Group
  • Paloverde
  • Parachute Insurance Services Corp
  • Path IQ
  • Patriot General Insurance
  • Peace of Mind Solutions
  • Peak Property and Casualty Insurance
  • Peak Protection Group
  • PEMCO Insurance
  • Penn America
  • Penn Mutual
  • Pennsylvania Natl
  • PFP
  • Phoenix
  • Physicians Health Plan
  • Physicians Life
  • Physicians Mutual
  • Physicians United Plan
  • Pickett Group/TermLifeMatch
  • PickMedicare
  • Pier21 Media
  • Pietro Ancona
  • Pinnacle
  • Pinney Insurance Center, Inc.
  • Pioneer Life
  • Pivot
  • Pivot Health
  • Pivotal Concepts
  • PJP Agency
  • Plasmid Media, LLC
  • Platform Advertising
  • Platinum Health Advisors
  • Platinum Health One
  • Platinum Health Solutions
  • Plymouth Rock
  • PMIC
  • Policy Fuel LLC
  • Policy Impact LLC
  • Policy Ninja
  • Policy Scout
  • PolicyBind, LLC
  • Ponto Insurance
  • Powderhorn Media
  • Precise Health Insurance Advisors
  • Precise Solutions Group
  • Precursor Media
  • Preferred Abstainers
  • Preferred Care
  • Preferred Health Advisors
  • Preferred Mutual
  • Premera Blue Cross
  • Premier
  • Premier Business Solutions
  • Premier Disability
  • Premier Financial Alliance
  • Premier Health Association
  • Premier Health Choice
  • Premier Health Solutions
  • Premier Insurance Benefits, LLC
  • Presbyterian Health Plan
  • Presbyterian Healthcare Services
  • Presidio Interactive
  • Prestige
  • Primary Health Care
  • Primary Insurance Group
  • Prime Care
  • Prime Care Health
  • Prime Marketcare One
  • Primerica
  • Principal Financial
  • Priority Insurance
  • Priority One Health
  • Pristine Media Group
  • Prodigy Health Group
  • Professional Consultant Insurance Solutions
  • Progressive Insurance
  • Prokey Wiseley Hamill
  • Propath Media
  • Prospect America Media, LLC
  • Prosperity Health
  • Prosurity
  • Protech Vehicle Services LLC
  • Protect America
  • Protect Your Home
  • Protecta America
  • Protective Casualty
  • Protective Life
  • ProtectMyCar
  • Providence
  • Providence Media Group
  • Provident
  • Prudential of America
  • PURE
  • Puritan Health
  • Purple Dog Marketing LLC
  • Pyramid Life
  • Q3M Insurance Solutions, LLC
  • Qatalyst
  • QHS
  • Qualilty Healthcare Solutions
  • Quality Healthcare Solutions, Inc.
  • Quality Insurance Solutions
  • Quantum 3 Media
  • Quantum Research
  • Quick Life Center, LLC
  • Quick Quote
  • QuickHealthInsurance.com
  • QuickInsured
  • QuinStreet
  • Quote Selection
  • Quote Selection Insurance Services, Inc
  • Quote Velocity
  • Quote Wizard
  • Quote.com
  • Quotehound
  • QuoteLab, LLC
  • QuoteManage LLC
  • QuoteManager LLC
  • QuoteWhiz, LLC
  • Quotivia
  • Radwan Financial
  • Ralph Perez Insurance
  • Ramsey
  • Ranger
  • Rank Media
  • RateForce
  • RBC Liberty Insurance
  • RCPT2
  • Real Results
  • Real-Comp Data and Marketing
  • Red Auto Protection
  • RedVentures
  • Redwing Consulting Services LLC
  • Reel Media Ventures
  • Regal
  • Regence
  • Reliance Insurance
  • Reliant
  • ReliaQuote
  • Renaissance Health Services Corp.
  • Renew.com
  • Republic Indemnity
  • Reserve Compass LLC
  • Resource Connect
  • Response Insurance
  • Retirement Solution Leaders
  • Rev Impact
  • RevPoint Media
  • Rex Direct
  • RGAX
  • Right Advisors LLC
  • Ring Latino
  • Ring Router
  • Rocket Health, LLC
  • Rocket Mortgage
  • Rockford Mutual
  • Rocking Ham Group
  • Rodney D. Young
  • Root
  • Royal United
  • RP Marketing
  • RSA
  • S.B. Fintech Ltd
  • SafeAuto
  • Safeco
  • Safeguard
  • Safeway Insurance
  • Sagicor
  • Sales Data Pro
  • SalesHammer
  • SalesRadix
  • SaveToday
  • Savings Bank Life Insurance Company of Massachusetts (SBLI) Scan Health Plan
  • Scan Health Plan
  • SCMS
  • Scott and White
  • Sea West Insurance
  • Secura
  • Secure Car Care
  • Secure Horizons
  • Secured Health
  • Security Health Plan of Wisconsin Inc.
  • Security Insurance
  • Security National
  • Sedgwick James
  • SelectHealth
  • Selective Healthcare
  • SelectMyPolicy.com
  • SelectQuote
  • Self Financial
  • Senior Coverage
  • Senior Direct Insurance
  • Senior Direct Marketing
  • Senior Health Connect
  • Senior Health Direct
  • Senior Healthcare Advisors
  • Senior Life Insurance Company
  • Senior Market
  • Senior Market Advisors
  • Senior Market Partners
  • Senior Market Quotes
  • Senior Market Sales
  • SeniorCare Benefits
  • SeniorQuote Insurance Services
  • Sentara Health Management
  • Sentinel Insurance
  • Sentry
  • Sentry Group
  • Sentry Insurance Company
  • Serenity
  • Shelter Insurance Company
  • Shop RX Plans
  • Shore Life and Retirement Agency
  • Sicuro Health LLC
  • Sierra Health Services
  • Silent Affiliates
  • Simple Insurance
  • Skandia TIG Tita
  • Smart Care Direct
  • Smart Final Expense
  • Smart Health Options, LLC
  • Smart Match Insurance Solutions
  • Smart Relief Rx
  • SmartScripts & Affiliates
  • Smedley Insurance Group
  • SolidQuote, LLC
  • Spectrum Direct
  • Spring Health Plans
  • Spring Insurance Solutions
  • Spring Venture Group
  • St. Paul Companies
  • Stancorp Financial
  • State and County Mutual Fire Insurance
  • State Auto
  • State Farm
  • State Fund
  • State Mutual
  • State National Insurance
  • Sterling
  • Stevens Insurance Agency
  • Stone Hill National
  • Stone Tapert Insurance Services
  • Strategy Bay
  • Stratum Media DMCC
  • Stringbit
  • SummaCare
  • Summit Health
  • Sun Coast
  • Sun Edison
  • Sun Life Assurance Company
  • Sunrise Health
  • Superior American Insurance
  • Superior Insurance
  • Support First
  • Supreme Health Options, Inc.
  • Sure Health Plans
  • Sureco
  • Sureco Legacy Insurance Services, Inc
  • SureHits
  • Suretouch Leads
  • Sutter
  • Swiss Re
  • Symmetry Financial Group
  • Synergy Insurance
  • Tapert Insurance Agency Inc
  • Taylor & Associates
  • Taylored Legacy
  • Tech Insurance
  • Tech Leads
  • Teran Marketing
  • TGC Health, LLC
  • The Commerce Insurance Company
  • The Complete Lead
  • The Credo Group
  • The General
  • The Healthcare Assistant
  • The HealthScout
  • The Insurance Center
  • The McGrp International
  • The Rindal Agency
  • The Senior Resource Group
  • The Zebra
  • Thehealthcareassistant.com
  • Themedicareassistant.com
  • Three Rivers Holdings
  • Thrivent Financial for Lutherans
  • TIAA-CREF
  • Tiburon Insurance
  • Tiburon Insurance Services
  • TICO Insurance
  • TIG Countrywide Insurance
  • Tiger Health Solutions
  • Titan
  • Titan Indemnity
  • TK Insurance Services Inc
  • Together Health
  • Toggle
  • Top Flite
  • Top Healthcare Options
  • Torchmark
  • Torr
  • Total Advocacy Group LLC
  • Total Insurance Brokers
  • Touchstone
  • Tower
  • Towers Watson dba OneExchange
  • TPG Direct
  • Traders Insurance
  • Traffic Tree LLC
  • Transamerica
  • Tranzact
  • Tranzact Insurance Solutions
  • Travelers
  • Tri-State Consumer Insurance
  • Trinity Universal
  • Triple-S Inc.
  • TriState
  • TruBridge, Inc.
  • True Auto
  • True Coverage
  • TrueChoice Insurance Services
  • TruSource
  • TruSource Marketing
  • Trust Hall
  • TruStage
  • TrustedConsumer LLC
  • Tryton
  • TSC Insurance
  • Tufts
  • Tufts Associates HMO Inc.
  • Tufts Health Plan
  • Twentieth Century
  • TWG
  • Twin City Fire Insurance
  • TZ Insurance Solutions LLC
  • U S Financial
  • Ucare
  • UMA
  • UniCare
  • Uniguard
  • Union
  • Unique Q2B
  • United Advisors LLC
  • United American Insurance Company
  • United American/Farm and Ranch
  • United Enrollment
  • United Financial
  • United Fire & Casual
  • United Health
  • United Healthcare Advisors
  • United Insurance
  • United of Omaha
  • United Pacific Insurance
  • United Repair Programs
  • United Security
  • United Services Automobile Association
  • United States Fideli
  • UnitedHealthcare/UnitedHealthOne
  • Unitrin Inc.
  • Universal American Financial Corp.
  • Universal Health Advisors
  • Universal Health Care
  • University Health Care Inc.
  • Unsure
  • UnumProvident Corp.
  • Upfront
  • UPMC Health System
  • US Benefit Solutions
  • US Health Advisors
  • US Health Group
  • US Saving Center
  • USA Benefits/Continental General
  • USA Dental Club
  • USAA
  • USDS (US Dealer Services)
  • USF and G
  • USInsuranceOnline
  • Utah Home and Fire
  • Utica
  • Valley Peak Insurance Group
  • Vanguard Health Ventures
  • Vantis Life
  • Vasa North Atlantic
  • Vehicle Assurance Co
  • Verengo
  • Versible Connect
  • Versus Media Group
  • Verti Insurance Company
  • Veterans United Home Loans
  • Vigilant
  • Viking
  • VIMO
  • Visiqua LLC
  • Vitalone Health
  • Viva Health
  • VSC Digital
  • VSC Group
  • Walking Tree Creative LLC
  • Washington National Life
  • Washington United LLC
  • Wawaunesa
  • Wax Digital Solutions
  • We Speak
  • WEA Inc.
  • WebTec
  • Wejo
  • WellCare Health Plans
  • Wellington
  • Wellness Plan of America
  • WellPoint
  • West American
  • West Bend Mutual
  • West Coast Closers
  • West Plains
  • Western & Southern Financial
  • Western and Southern Life
  • Western Mutual
  • Western National
  • Westfield
  • William Penn
  • Windhaven
  • Windsor Insurance
  • Windstar
  • Wisconsin Mutual
  • Woodlands Financial Group
  • World Insurance
  • World Mail Direct USA
  • World of Insurance
  • Worldwide
  • WynnHealth
  • XLHealth
  • Yellow Key
  • Yosemite
  • Young Life & Wealth
  • Your Help HQ
  • Your Lowest Quote
  • YourHealthCareQuotes.com
  • Zander
  • Zebra
  • Zenith Media
  • Zoom Insurance
  • ZQ Auto Insurance
  • ZQ Sales
  • Zurich
  • Zurich North America
Call 90-414-001-0039