Advanced FS – Terms and Conditions of Use

Effective Date: April 2026

Address: 1501 S Boughton Rd, Bolingbrook, IL 60440

Introduction

Welcome to Advanced FS. We make life insurance simpler for people to buy online. These Terms and Conditions (“Terms”) outline the rules and expectations that protect both you and Advanced FS.

By using our website, services, or applying for insurance through our platform, you agree to these Terms. If you do not agree, please do not use our Services

Definitions

Services refer to all products, services, content, and features offered through our website and affiliated platforms.
Site refers to our website and any related platforms operated by Advanced FS.Bullet List 3
Account refers to your personal account where you can access your policy details and personal information.
We, us, our, or Advanced FS refers to Advanced FS.
You or your refers to the user of our Services.

Eligibility

To use our Services:

You must be at least 18 years old
You must be legally able to enter into an insurance contract
You must reside in a U.S. state where we are licensed

By using our Services, you confirm that:

1. You are the person being insured

2. You own and pay for the policy

3. The policy is intended to protect your family

4. You are not purchasing the policy for resale or transfer

Insurance Disclaimer

Advanced FS is not an insurance carrier. We connect you with licensed insurance providers.

Your insurance policy is governed by the terms issued by the carrier
Final pricing is determined after underwriting and application review
Quotes provided are estimates and may change

Electronic Communications & Consent

Advanced FS is not an insurance carrier. We connect you with licensed insurance providers.

Emails
Text messages (SMS)
Phone calls (including automated or prerecorded messages)
You understand that:
Message and data rates may apply
You may opt out at any time
Consent is not required to purchase services
Electronic signatures are legally binding and equivalent to physical signatures.

Account Responsibility

You are responsible for:

Maintaining the confidentiality of your login credentials
Ensuring all information provided is accurate and up to date
Advanced FS is not liable for unauthorized access resulting from your failure to secure your account

Third-Party Services

Our Site may include links to third-party services.

We do not control or endorse third-party content
You access such services at your own risk
Third-party sites have their own terms and privacy policies

Licensing and Availability

Advanced FS only offers insurance products in states where we are licensed

Not all products are available in all states
Services are intended only for U.S. residents

Pricing & Quotes

Quotes provided through our platform:

Are not guaranteed
May change based on your application, age, or underwriting results
Are finalized only after policy issuance and first payment

Intellectual Property

All content on our Site, including logos, text, graphics, and processes, is owned by Advanced FS and protected by law.

You agree not to:

Copy, reproduce, or distribute our content
Use our branding without written permission
Attempt to reverse engineer or misuse our platform

User Conduct

You agree not to:

Use the Services for unlawful purposes
Interfere with system security or performance
Upload harmful software or malicious code
Misrepresent your identity

Feedback

Any feedback you provide becomes the property of Advanced FS. We may use it without compensation or acknowledgment.

Arbitration Agreement

PLEASE READ CAREFULLY

Any disputes between you and Advanced FS will be resolved through binding arbitration, except where prohibited by law.

By agreeing:

You waive your right to a jury trial
You waive participation in class-action lawsuits

30-Day Opt-Out

You may opt out of arbitration within 30 days by submitting written notice.

Governing Law

These Terms are governed by the laws of the State of Texas, in accordance with the Federal Arbitration Act, without regard to conflict of law principles.