Terms of Use & Messaging Terms

These terms are an agreement between you and American Protection Plan, which operates this website. By using this site or submitting a quote request, you accept them. If you do not accept them, do not use the site.

1. What we are

American Protection Plan connects consumers with independent, carrier-appointed life insurance agents. We are not an insurance carrier. We serve customers in Texas and Florida. We are not affiliated with, endorsed by, or connected to any government agency or program, including Social Security, Medicare, or any state benefits office. This site is a solicitation of insurance; an agent may contact you.

2. No advice, no guarantee of coverage

Nothing on this site is legal, tax, or financial advice, and nothing here is an offer of insurance or a guarantee that you will be approved. Product availability, eligibility, benefit amounts, and rates vary by state, carrier, age, and health. Coverage exists only when a carrier issues a policy, and the policy itself governs — not this website.

3. Eligibility and accurate information

You must be at least 18 and a US resident to submit a request. You agree the information you give us is accurate and is yours to give — do not submit someone else's phone number or personal information without their permission.

4. Consent to be contacted

When you check the consent box and submit a form, you give American Protection Plan express written consent to contact you at the phone number and email you provided about final expense and life insurance, including calls or messages placed with an automatic telephone dialing system or an artificial or prerecorded voice, even if that number is on a state or federal Do Not Call registry.

Consent is not a condition of purchase. You can buy a policy without agreeing to automated contact, and you can revoke consent at any time by any reasonable means — telling an agent, replying STOP to a text, or emailing support@americanprotectionplan.com.

5. Messaging terms (SMS)

Program

American Protection Plan Alerts, operated by American Protection Plan. If you opt in, we send quote follow-ups, appointment reminders, agent callbacks, and policy and account updates related to your request.

How to opt in

Check the optional text-message consent box on a form on this site, or reply to a confirmation message asking you to opt in. SMS consent is separate from every other consent, is never pre-checked, and is not required to get a quote or buy a policy.

Sample messages

• “American Protection Plan: Hi Maria, this is Dan, the independent agent handling your request. I have your final expense quote ready. Call me at (877) 222-2022 when you have 5 minutes. Reply STOP to opt out.”
• “American Protection Plan: Reminder — your call with an independent agent is tomorrow at 2:00pm ET. Reply STOP to opt out, HELP for help.”
• “American Protection Plan: Your application was received and is with the carrier. We'll text you when there's a decision. Reply STOP to opt out.”

Message frequency

Message frequency varies — typically 2–6 messages per month.

Cost

Message and data rates may apply. We do not charge for the messages; your mobile carrier may, according to your plan.

How to opt out

Reply STOP to any message from us. We will send one confirmation message and then stop. You can opt back in at any time by texting START to the same number.

How to get help

Reply HELP to any message, call (877) 222-2022 during Mon–Fri, 9am–7pm ET, or email support@americanprotectionplan.com.

Carriers and delivery

Mobile carriers are not liable for delayed or undelivered messages. Message delivery is subject to carrier and device conditions outside our control. Supported carriers include AT&T, Verizon Wireless, T-Mobile, and most US carriers.

Privacy

No mobile information will be sold or shared with third parties or affiliates for marketing or promotional purposes, and text messaging opt-in data and consent will not be shared with any third party other than the aggregators needed to deliver your messages. See our Privacy Policy.

6. Acceptable use

Do not use this site to break the law, scrape or overload it, submit false information, probe its security, or interfere with anyone else's use of it.

7. Intellectual property

The site's content, design, and marks belong to American Protection Plan or its licensors. You may view and print pages for personal, non-commercial use. Everything else requires our written permission.

8. Third-party links

We link to carriers and other third parties for convenience. We do not control their sites and are not responsible for their content, products, or privacy practices.

9. Disclaimers and limitation of liability

The site is provided “as is,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. To the fullest extent the law allows, American Protection Plan is not liable for indirect, incidental, special, consequential, or punitive damages, and our total liability for any claim relating to the site will not exceed one hundred US dollars ($100). Some states do not allow these limits, so they may not apply to you.

10. Indemnification

You agree to indemnify and hold harmless American Protection Plan, its officers, employees, and agents from claims arising out of your use of the site, your submissions, or your breach of these terms.

11. Governing law and disputes

These terms are governed by the laws of the State of Texas, without regard to conflict-of-laws rules. Any dispute will be brought in the state or federal courts located in Texas, and you consent to their jurisdiction. Nothing here limits rights you have under your state's insurance or consumer protection laws.

12. Changes

We may update these terms and will change the effective date above. Continuing to use the site after a change means you accept it.

13. Contact