Welcome to FortressFamilyLife.com (“Website”), operated by Fortress Family Life LLC, a licensed life insurance brokerage ("we," "us," "our"). Please read these Terms and Conditions ("Terms") carefully before using the Website or any services provided by Fortress Family Life.

By accessing or using our Website, you agree to be legally bound by these Terms. If you do not agree, do not use this Website or our services.

1. Nature of Services

Fortress Family Life is an independent insurance brokerage that provides consumers with quotes from multiple life insurance carriers. We assist in the selection and application process, but:

We are not an insurance carrier and do not issue policies.

All underwriting decisions, coverage determinations, and final premium rates are made solely by the respective insurance carriers.

Quotes provided through the Website are non-binding and subject to change based on medical, financial, and personal underwriting by the insurer.

2. Eligibility

To use this Website, you must be:

At least 18 years of age;

A resident of a U.S. state where Fortress Family Life is licensed; and

Legally able to enter into binding contracts.

3. No Guarantee of Coverage

We do not guarantee that:

You will qualify for life insurance;

The rates shown will remain unchanged;

Any insurance carrier will accept your application; or

Coverage will be issued without additional underwriting.

All decisions regarding your eligibility, rate class, and policy issuance are made exclusively by the insurance carriers, and we are not liable for their actions, omissions, or decisions.

4. No Fiduciary or Professional Relationship

Use of this Website or communication with our team does not create a fiduciary, advisory, or agent-of-record relationship. We do not provide tax, legal, estate planning, or investment advice. Any guidance we provide is general in nature and must not be relied upon as professional advice.

Formal representation begins only when you submit a signed application or authorization granting us permission to act on your behalf.

5. Accuracy of Information

You agree to provide accurate, complete, and current information. Falsifying information may result in:

Quote inaccuracy;

Denial of coverage by insurers;

Voiding of policies;

Legal action for misrepresentation.

We reserve the right to deny access or service to users who submit false or misleading information.

6. Use of Personal Information

By submitting data, you agree that:

All information collected is used strictly for internal purposes, including quoting, underwriting support, compliance, and customer service.

We may share necessary information with insurance carriers and licensed third-party vendors involved in the quoting and application process.

We do not sell or rent your personal data to third parties.

7. Third-Party Tools and APIs

Our Website may use APIs or embedded services from third-party quoting engines, underwriting platforms, or CRM tools. While we use reputable providers, we are not responsible for:

Downtime or errors in third-party services;

Data breaches originating from third-party systems;

Quotes generated via third-party platforms.

8. Intellectual Property

All Website content — including but not limited to text, graphics, logos, software, and designs — is protected by intellectual property laws. Unauthorized use, reproduction, or distribution is strictly prohibited.

9. Prohibited Activities

You may not:

Attempt to interfere with the Website’s operation or security;

Use automated tools (bots, scrapers) without permission;

Reproduce or reverse-engineer any portion of the Website;

Submit false or misleading information;

Use the Website for unlawful purposes.

Violation of this section may result in account termination and legal action.

10. Disclaimers

This Website is provided on an "as-is" and "as-available" basis. We disclaim all warranties, express or implied, including:

Merchantability;

Fitness for a particular purpose;

Accuracy or reliability of quotes or information;

Timeliness, security, or uninterrupted access.

11. Limitation of Liability

To the maximum extent allowed by law, Fortress Family Life shall not be liable for any:

Direct, indirect, incidental, special, or consequential damages;

Loss of data or business interruption;

Decisions made in reliance on Website content or communications.

This includes, but is not limited to, delays or failures caused by insurer decisions or third-party platform errors.

12. Indemnification

You agree to defend, indemnify, and hold harmless Fortress Family Life and its officers, agents, employees, and partners from any claim, liability, cost, or demand — including attorney fees — arising from:

Your use of the Website;

Your violation of these Terms;

Your violation of applicable law or third-party rights.

13. Governing Law and Venue

These Terms shall be governed by and interpreted in accordance with the laws of the State of Florida, without regard to conflict of law principles.

You agree that any disputes arising under these Terms or from use of the Website will be resolved exclusively in the state, and you consent to personal jurisdiction in those courts.

14. Modifications

We may update or revise these Terms at any time. Updates will be posted on this page with a new effective date. Continued use of the Website after any update signifies your acceptance of the new Terms.