Effective Date: 02/18/2026

1. Agreement to Terms

Welcome to Family Health First (“Company,” “we,” “our,” or “us”). These Terms and Conditions govern your use of familyhealthfirst.net (the “Website”).

By accessing or using this Website, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use this Website.

2. Services Provided

Family Health First provides information and assistance related to life insurance and health insurance products. We may connect users with licensed insurance agents and insurance carriers for quotes, applications, and policy servicing.

We do not guarantee approval for insurance coverage. Coverage is subject to underwriting review and carrier guidelines.

3. No Financial or Legal Advice

The information provided on this Website is for informational purposes only and does not constitute legal, tax, financial, or medical advice. You should consult with a qualified professional regarding your individual situation.

4. Eligibility

By using this Website, you represent that:

• You are at least 18 years old

• You are legally capable of entering into a binding agreement

• The information you provide is accurate and complete

5. User Responsibilities

You agree not to:

• Provide false or misleading information

• Use the Website for unlawful purposes

• Attempt to gain unauthorized access to systems or data

• Interfere with the Website’s security or functionality

We reserve the right to restrict or terminate access for violations of these Terms.

6. Insurance Disclaimers

Insurance products are offered through licensed insurance agents and are subject to carrier approval. Availability of products varies by state. Policy terms, conditions, exclusions, and limitations apply.

Quotes provided through this Website are estimates only and are not guaranteed offers of coverage.

7. Intellectual Property

All content on this Website—including text, graphics, logos, design, and layout—is the property of Family Health First and is protected by applicable intellectual property laws.

You may not copy, reproduce, distribute, or modify Website content without written permission.

8. Third-Party Links and Services

This Website may contain links to third-party websites or services. We are not responsible for the content, policies, or practices of third parties.

9. Limitation of Liability

To the fullest extent permitted by law, Family Health First shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the Website or reliance on any information provided.

Our total liability shall not exceed the amount paid by you, if any, for accessing the Website.

10. Indemnification

You agree to indemnify and hold harmless Family Health First, its affiliates, agents, and partners from any claims, liabilities, damages, or expenses arising from your use of the Website or violation of these Terms.

11. Privacy

Your use of this Website is also governed by our Privacy Policy, which describes how we collect and use your information.

12. SMS & Electronic Communications Consent

By providing your phone number or email address, you consent to receive communications regarding insurance quotes, policy information, and customer service.

Message and data rates may apply. You may opt out at any time by replying “STOP” to SMS communications or contacting us directly.

13. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to conflict of law principles.

14. Changes to Terms

We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Website constitutes acceptance of the updated Terms.

15. Contact Information

Family Health First
Website: familyhealthfirst.net
Email: info.familyhealthfirstllc@gmail.com
Phone: (561) 410-8147