These Terms of Service (“Terms”) govern your access to and use of the TopDog Final Expense website and related quote-matching services (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.
1. Eligibility
You must be at least 18 years of age and legally capable of entering into binding contracts to use our Services and to request an insurance quote. By using the Services, you represent that you meet these requirements.
2. Not an Insurance Carrier
TopDog Final Expense is a marketing and lead-generation platform. We are not an insurance company, and we do not underwrite, issue, administer, or guarantee any insurance policy. When you submit a request through our website, we match you with a licensed, independent insurance agent or carrier who is solely responsible for providing accurate quotes, conducting underwriting, and issuing any policy. Any policy you purchase is a contract between you and the issuing carrier, not TopDog Final Expense.
3. Quotes and Accuracy
Quotes generated through our website are estimates based on the information you provide and are not a guarantee of coverage, price, or approval. Final premiums and eligibility are determined by the insurance carrier after formal underwriting, which may consider factors not captured in your initial submission.
4. Use of the Website
- You agree to provide accurate and truthful information when requesting a quote.
- You agree not to use the Services for any unlawful purpose or in any way that could damage, disable, overburden, or impair the website or its underlying infrastructure.
- You agree not to attempt to gain unauthorized access to any portion of the Services, related systems, or networks.
- You agree not to scrape, copy, or republish content from this website without our prior written consent.
5. Consent to Be Contacted
By submitting your information through our website, you consent to be contacted by TopDog Final Expense and/or its partnered licensed insurance agents via phone, text message, or email regarding final expense insurance products, including by automated dialing technology, even if your number is listed on a federal or state Do Not Call registry. Consent is not a condition of purchasing any product or service, and you may revoke it at any time as described in our Privacy Policy.
6. Intellectual Property
All content on this website, including text, graphics, logos, and design, is the property of TopDog Final Expense or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.
7. Third-Party Links & Services
Our website may link to or integrate with third-party websites and services, including insurance carrier sites. We do not control and are not responsible for the content, accuracy, or practices of those third parties. Your use of any third-party site is governed by that site’s own terms and policies.
8. Disclaimer of Warranties
The Services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that the website will be uninterrupted, secure, or error-free, or that any quote will result in approved coverage.
9. Limitation of Liability
To the fullest extent permitted by law, TopDog Final Expense shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Services, including damages related to any insurance product purchased through a third-party carrier or agent.
10. Indemnification
You agree to indemnify and hold harmless TopDog Final Expense and its affiliates from any claims, losses, or damages arising from your misuse of the Services or your violation of these Terms.
11. Dispute Resolution
Any dispute arising from these Terms or your use of the Services shall first be addressed through good-faith informal negotiation. If a dispute cannot be resolved informally, it will be governed by the laws described in the General Terms section below.
12. General Terms
Governing Law: These Terms are governed by the laws of the state in which TopDog Final Expense operates, without regard to conflict-of-law principles.
Severability: If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force and effect.
Changes to These Terms: We may revise these Terms from time to time. Continued use of the Services after changes are posted constitutes your acceptance of the revised Terms.
13. Frequently Asked Questions
Do I have to buy insurance after requesting a quote?
No. Requesting a quote through TopDog Final Expense is free and does not obligate you to purchase any policy. You decide whether to move forward with a licensed agent or carrier.
Will I be charged for getting a quote?
No. There is no charge to use our website or to receive a final expense insurance quote. Any cost only applies if you choose to purchase a policy from a carrier.
How does TopDog Final Expense make money if quotes are free?
We are compensated by the licensed insurance carriers and agents we connect consumers with, similar to how a referral service operates. This does not affect the price you're quoted.
Is TopDog Final Expense the company that will issue my policy?
No. We are a marketing platform, not an insurance carrier. Your policy, if you choose to purchase one, is issued and serviced by a licensed insurance carrier through a licensed agent.
What states does TopDog Final Expense serve?
We work with licensed agents and carriers across the United States, though specific product availability can vary by state and is confirmed with you directly by the agent you're matched with.
How accurate are the quotes I receive?
Quotes provided through our website are estimates based on the information you provide. Final premiums, underwriting decisions, and coverage terms are determined by the insurance carrier after a full application review.
14. Contact Us
If you have questions about these Terms, please contact us at 866-963-5898.