Last Updated: [12/13]
1. Acceptance of Terms
By accessing or using this website and any services provided by Crane Financial (“Company,” “we,” “our,” or “us”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree with these Terms, you should not use our website or services.
2. Services Provided
Crane Financial provides information, consultations, and assistance related to life insurance products, including but not limited to:
Term life insurance
Whole life insurance
Final expense insurance
Mortgage protection insurance
We may connect you with licensed insurance agents or insurance carriers to discuss coverage options. We do not guarantee approval, rates, or specific policy terms.
3. No Insurance Guarantee or Financial Advice
Information provided on this website is for general informational purposes only and does not constitute legal, tax, or financial advice.
Life insurance coverage, pricing, and eligibility are determined by insurance carriers based on underwriting guidelines, health information, and other factors. Submission of information does not guarantee coverage.
4. User Responsibilities
By using this website, you agree that:
All information you provide is accurate and truthful
You will not submit false, misleading, or fraudulent information
You are at least 18 years of age
You are authorized to submit information on your own behalf
You are responsible for maintaining the confidentiality of any communications or information provided to you.
5. Communications Consent (Calls, Texts, Emails)
By submitting your information through this website or communicating with Crane Financial, you expressly consent to receive communications from us, including:
Phone calls
SMS/text messages
Voicemail messages
Emails
These communications may be sent using manual or automated systems, including dialing technology. Message and data rates may apply. Consent is not a condition of purchase.
You may opt out of text messages at any time by replying STOP or by contacting us directly.
6. Third-Party Providers
We may share your information with:
Licensed insurance agents
Insurance carriers and underwriters
Technology and service providers (CRM systems, communication platforms, analytics tools)
Crane Financial is not responsible for the actions, policies, or services of third parties.
7. Intellectual Property
All content on this website, including text, logos, graphics, and design elements, is the property of Crane Financial or its licensors and is protected by applicable intellectual property laws.
You may not copy, reproduce, distribute, or use any content without prior written permission.
8. Limitation of Liability
To the fullest extent permitted by law, Crane Financial shall not be liable for any direct, indirect, incidental, or consequential damages arising from:
Use or inability to use the website
Reliance on information provided
Communications with agents or carriers
Insurance coverage decisions made by third parties
Your use of this website is at your own risk.
9. Indemnification
You agree to indemnify and hold harmless Crane Financial, its affiliates, agents, and partners from any claims, damages, or liabilities arising from your use of the website or violation of these Terms.
10. Privacy
Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
11. Modifications to Terms
Crane Financial reserves the right to update or modify these Terms at any time. Changes will be effective immediately upon posting. Continued use of the website constitutes acceptance of the updated Terms.
12. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the state in which Crane Financial operates, without regard to conflict-of-law principles.