Terms & Conditions

1. About this website

This website is operated by Spencer Financial Group and provides information about our life insurance services, insurance agent opportunities, company resources, and related services.

The information provided on this website is for general informational and educational purposes only. It is not intended to constitute legal, tax, or individualized financial advice.

2. Life insurance information

Information about life insurance products, services, benefits, coverage, eligibility, and costs may vary based on individual circumstances, state requirements, underwriting guidelines, carrier availability, and other factors.

Information presented on this website does not constitute a recommendation that any particular insurance product or coverage is appropriate for you. Any insurance application, policy, coverage, rate, benefit, or eligibility determination is subject to the applicable insurance carrier's requirements, underwriting, and approval.

3. Agent & career opportunities

Information presented regarding opportunities with Spencer Financial Group is provided for informational purposes and does not constitute a guarantee of employment, contracting, licensing, income, commissions, sales, leads, advancement, or business results.

Agent opportunities may involve performance-based compensation and may require appropriate insurance licensing and appointments. Specific compensation structures, licensing requirements, responsibilities, expenses, and eligibility may vary and should be confirmed with an authorized Spencer Financial Group representative.

4. No guarantee of results

Any examples, testimonials, earnings information, business results, or statements regarding potential outcomes presented on this website are not guarantees of future results. Individual results vary based on effort, experience, activity, licensing, production, market conditions, and other individual circumstances.

You should not rely on any statement regarding potential earnings or results as a promise or guarantee of what you will personally earn or achieve.

5. Third-party websites and services

This website may contain links, integrations, or references to third-party websites, platforms, applications, scheduling systems, or services. Spencer Financial Group is not responsible for their content, policies, availability, or practices. Your use of them may be subject to their own terms and privacy policies.

6. Privacy

Your use of this website is also subject to the Spencer Financial Group Privacy Policy, which explains how information may be collected, used, protected, and shared.

7. Website content

Spencer Financial Group makes reasonable efforts to provide accurate and current information, but information may change without notice and is not guaranteed to be complete, accurate, or current. We reserve the right to update, modify, remove, or discontinue website content or services at any time.

8. User responsibility

You agree to use the information provided responsibly and are responsible for determining whether any product, service, opportunity, or information is appropriate for your circumstances. Nothing on this website creates an employment, contractor, agency, fiduciary, or other relationship unless expressly established through separate written documentation.

9. Age requirement

This website and its services are intended for individuals who are 18 years of age or older. By continuing, you represent that you are at least 18 years old.

10. Changes to these terms

Spencer Financial Group may update these Terms & Conditions from time to time. Your continued use of the website after changes are posted constitutes acknowledgment of the updated terms.

11. Contact

If you have questions about these Terms & Conditions, please contact Spencer Financial Group through the contact information provided on the website.