Terms of Service
Last updated 29 September 2026
These terms set out what you can expect from us and what we ask of you in return. They are written to be read once and understood, not to be relied on as fine print.
What we do
We are an independent life insurance agency. Our licensed agents help you understand an existing policy, compare options from carriers, and get answers to questions about claims, beneficiaries, premiums, and coverage.
There is no charge to you for asking. Our guidance comes from independent agents rather than from one insurance company, which is why we can be straight with you about what a policy does and does not do.
What this website is not
This website is not an insurance company, and using it does not create a policy, bind coverage, or start a contract with anyone. Nothing here is a quote, an offer, or a guarantee that an application will be approved or that a particular price will be available to you.
Any policy you eventually buy is issued by an insurance carrier under its own contract terms, and it is that carrier's policy document — not this website — that governs what is covered.
Information on this site
We aim for accuracy, and we write everything in plain language. But general information about life insurance is not personal financial, legal, or tax advice. Your circumstances, your state's rules, and your carrier's contract all matter, so please confirm anything important with a licensed agent before you act on it.
Using the request form
Please give us your real name and a phone number that reaches you, and use the form for genuine enquiries. Do not submit information belonging to someone else without their knowledge, and do not send sensitive identifiers such as policy numbers, Social Security numbers, or bank details through the form.
Sending a request does not commit you to anything. You can tell us to stop contacting you at any time and we will.
Your responsibilities
Keep your own records. If you make a change to a beneficiary or a policy, ask your carrier for written confirmation that the change was applied. We will help you ask for it, but the carrier is the party that must confirm it.
Links to other websites
We may point you to insurance carriers or other resources. Once you leave this website, that site's own terms and privacy policy apply, and we are not responsible for what happens there.
Licensing and jurisdiction
Our agents are licensed where they are permitted to sell life insurance. These terms are governed by the laws of the state in which the licensed agent assisting you is based.
Questions
If anything here is unclear, that is our fault rather than yours — call (954) 361-2002 and ask.
Questions about this page?
Call (954) 361-2002 or email myflexdetails@gmail.com. We'd rather answer a question than have you guess.
We are an independent agency, not an insurance company. We are not affiliated with, endorsed by, or acting on behalf of any insurance company. We help you understand and compare options from licensed carriers.