Terms and Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern access to and use of https://friendlyinsgroup.com (the "Website") and related online services operated by Friendly Insurance Advisor Group LLC ("FIAG," "we," "us," or "our").

By accessing or using the Website, you acknowledge these Terms. Where applicable law requires affirmative agreement, we may request your separate acceptance. If you do not agree, please discontinue use of the Website.

These Terms do not replace any insurance policy, carrier contract, enrollment document, or legally required disclosure applicable to a particular product.

2. Our Services

Friendly Insurance Advisor Group LLC provides insurance education, consultations, assistance with evaluating available coverage options, and related client services.

Our publicly described service areas include:

• Medicare-related insurance education and plan comparisons.
• Medicare Supplement, Medicare Advantage, and prescription drug coverage guidance, where authorized.
• Final expense and related life insurance information.
• Annuity and retirement-related insurance information.
• General educational resources concerning trusts, wills, and retirement planning.
• Appointment scheduling, coverage reviews, and client support.

The availability of any service or insurance product depends on applicable licensing, carrier appointments, eligibility, geographic location, and other requirements.

3. Important Insurance Disclosures

FIAG operates as an insurance advisory and agency business and is not itself an insurance carrier. Insurance products, when offered, are issued and administered by the applicable insurance companies.

Coverage descriptions, premium estimates, benefits, and illustrations are informational unless and until confirmed through applicable carrier documentation.

No statement on this Website, submission of a form, consultation request, electronic communication, or preliminary quote creates, binds, modifies, or guarantees insurance coverage.

Coverage is subject to carrier approval, eligibility, underwriting where applicable, policy terms, exclusions, limitations, and effective-date requirements.

FIAG and its representatives offer insurance products only where appropriately licensed and authorized. Availability may differ by state, county, ZIP code, carrier, and individual circumstances.

4. Medicare Information and Disclosures

FIAG is an independent insurance agency and is not Medicare, the Centers for Medicare & Medicaid Services (CMS), or a government agency. Our Website is not an official federal or state government website.

Medicare plan benefits, costs, provider networks, formularies, eligibility rules, and enrollment periods may change. Official plan materials and Medicare information control in the event of any inconsistency.

Any required Scope of Appointment, permission to contact, or other Medicare marketing documentation will be obtained separately when applicable.

Submission of a Website form does not automatically constitute Medicare enrollment or authorize discussion of products beyond applicable legal permissions.

5. Retirement, Annuity, Trust and Will Information

Content about annuities, retirement income, final expense planning, trusts, and wills is general educational information. It is not a guarantee of investment results, income, tax treatment, legal outcomes, or suitability.

Annuities may involve surrender charges, restrictions, fees, tax consequences, and other limitations. Product-specific disclosures should be reviewed before making a decision.

Information about trusts and wills is not a substitute for legal advice. Consult a qualified attorney regarding estate-planning documents and applicable state law. Tax and financial questions should be reviewed with appropriately qualified professionals.

6. Accuracy of Website Information

We seek to provide accurate, useful, and current information. However, insurance regulations, products, carrier participation, and government programs change.

We do not warrant that all Website information will always be complete, current, or error-free. Please confirm important details directly with a licensed representative and the applicable carrier or government program before acting.

7. Contact Forms, Consultations and Appointments

When you submit a contact form or request an appointment, you agree to provide information that is accurate to the best of your knowledge.

We may use the information submitted to respond to your request, evaluate the type of assistance sought, and coordinate an appointment or requested service, subject to applicable law and your communication choices.

Submitting an inquiry does not require you to purchase insurance, enroll in a plan, or consent to promotional text messages.

Please do not submit Social Security numbers, Medicare beneficiary identifiers, payment-card details, medical records, or other highly sensitive information through general Website forms or ordinary SMS messages. Where sensitive information is required, we will direct you to an appropriate collection method.

8. SMS Messaging Terms and Conditions

Friendly Insurance Advisor Group LLC may operate an SMS messaging program for individuals who have provided the appropriate consent.

8.1 Types of Messages

Depending on your selected consent preferences, messages may include:

• Appointment confirmations and reminders.
• Responses to requested insurance information.
• Requested coverage-review follow-ups.
• Administrative or customer-service notifications.
• Insurance education, enrollment events, and service offerings when separately authorized for marketing.

8.2 Consent

SMS consent is collected through an affirmative opt-in process when required. Marketing and non-marketing SMS consent are requested separately where applicable. Consent to receive marketing text messages is not a condition of purchasing insurance or receiving services.

Providing a phone number alone does not constitute permission to receive promotional SMS messages. We will honor your recorded communication preferences.

8.3 Message Frequency and Charges

Message frequency varies based on your requests, appointments, service activity, and selected subscriptions. Message and data rates may apply according to your wireless carrier and service plan.

8.4 Opting Out

You may opt out of SMS messages at any time by replying STOP to a message from our SMS program. We may send a final confirmation of your opt-out. After opting out, you will not receive further messages covered by that opt-out unless you provide a new, valid consent or communication is otherwise legally permitted.

8.5 Help and Customer Support

Reply HELP to an SMS message for assistance. You may also contact us at (773) 510-6022 or mac@friendlygroup.net .

8.6 Mobile Information and Consent Data

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

8.7 Carrier Delivery

SMS delivery is subject to wireless carrier availability, device compatibility, network conditions, and applicable messaging restrictions. Wireless carriers are not responsible for delayed or undelivered messages.

8.8 Privacy

Our collection and handling of personal information associated with SMS communications is described in our Privacy Policy .

9. Telephone and Email Communications

By requesting contact, you authorize FIAG to respond through the communication methods you provide, subject to applicable laws and your consent preferences.

Separate consent may be required for marketing calls, automated calls, prerecorded messages, and other regulated communications. We do not interpret general Website use or acceptance of these Terms as blanket consent to receive such communications.

Marketing emails, where sent, will provide legally required sender information and applicable unsubscribe mechanisms.

10. Privacy and Data Protection

We value the confidentiality of client and prospective client information. Our Privacy Policy describes information collection, use, disclosure, retention, safeguards, and applicable privacy rights.

Please review the Friendly Insurance Advisor Group LLC Privacy Policy .

The use of this Website does not authorize the sale or transfer of SMS opt-in consent to another company. Applicable privacy, insurance, and consumer-protection laws continue to govern our handling of information.

11. Acceptable Website Use

You agree not to use the Website for unlawful activities, unauthorized access, impersonation, submission of fraudulent information, distribution of malicious code, or interference with Website security and operations.

We may restrict access where reasonably necessary to protect the Website, our clients, or our operations, subject to applicable law.

12. Third-Party Websites and Services

Our Website may contain links to insurance carriers, government resources, appointment platforms, educational websites, or other third-party services.

These services may have separate terms and privacy practices. FIAG does not control the independent content, policies, or operations of third-party websites.

13. Intellectual Property

Unless otherwise indicated, original Website content, text, graphics, branding, and other materials are owned by FIAG or used with permission.

You may view and print Website materials for personal, noncommercial informational use. Other reproduction, distribution, or commercial use requires appropriate authorization, except as permitted by law.

14. Disclaimers and Limitation of Liability

The Website and its general educational materials are provided on an "as available" basis. To the extent permitted by applicable law, FIAG disclaims warranties relating to uninterrupted Website operation and the completeness of general informational content.

To the maximum extent permitted by applicable law, FIAG is not liable for indirect or consequential losses arising solely from use of general Website content. Nothing in these Terms excludes liability that cannot legally be excluded, limits rights under an applicable insurance policy, or restricts statutory consumer remedies.

15. Changes to Terms and Governing Law

We may revise these Terms periodically to reflect changes in our services, technology, applicable law, or business practices. The effective date shown above identifies the published version.

These Terms are generally governed by applicable Illinois law, without overriding mandatory laws or consumer protections that apply in another jurisdiction.

If a provision is determined to be unenforceable, the remaining provisions will continue to apply to the extent legally permitted.

16. Contact Information

For questions about these Terms, insurance-related inquiries, or communication preferences, contact: