Terms & Conditions

Planning For Later provides consumers with information related to final expense insurance and helps consumers who request coverage information connect with licensed insurance professionals.

Planning For Later is not an insurance carrier and does not issue insurance policies.

Unless expressly stated otherwise, information available through our website is provided for general informational purposes and should not be interpreted as an offer to issue insurance coverage.

When you submit a request for coverage information, we may provide the information you submit to a licensed insurance professional who can discuss potential insurance options with you.

Insurance products, availability, eligibility, premiums, benefits, exclusions, waiting periods, underwriting requirements, and other policy terms are determined by the applicable insurance carrier and/or licensed insurance professional.

Submitting information through Planning For Later does not guarantee that you will qualify for insurance coverage or that any particular policy, benefit amount, premium, rate, or policy term will be available to you.

Insurance eligibility and pricing can depend on factors established by individual insurance carriers.

Any examples, descriptions, or educational information presented on our website should not be interpreted as a guarantee of coverage, approval, pricing, or benefits.

Requesting information through Planning For Later does not obligate you to purchase an insurance policy.

You are responsible for deciding whether any insurance product presented to you is appropriate for your circumstances.

We encourage consumers to review policy terms carefully and ask questions before making a purchasing decision.

When using our Services, you agree to provide information that is accurate and complete to the best of your knowledge.

Information you provide may include your name, telephone number, email address, ZIP code, age or date of birth, desired coverage amount, insurance-related information, and answers to health or eligibility questions.

The information you provide may be used to facilitate your request and connect you with a licensed insurance professional, as further described in our Privacy Policy.

You should not intentionally provide false, misleading, fraudulent, or unauthorized information through our Services.

When you request information about final expense insurance, the information you submit may be provided to a licensed insurance professional who may contact you regarding your request.

The insurance professional may ask additional questions to better understand your circumstances, determine potential eligibility, and discuss available insurance products.

The insurance professional is responsible for complying with applicable licensing requirements and for accurately describing any insurance products they offer.

Planning For Later does not guarantee the availability, conduct, recommendations, or services of any particular insurance professional or insurance carrier.

When you provide your telephone number or email address through our Services, you may be asked to provide consent to receive communications concerning your request.

Depending on the consent you provide, these communications may come from Planning For Later and/or the licensed insurance professional associated with your request and may include telephone calls, text messages, and emails.

Where specifically disclosed and authorized, communications may be made using automated technology.

Consent to receive marketing calls or text messages is not a condition of purchasing any goods or services.

The specific consent language presented when you submit your information governs the communications you authorize.

Where applicable, you may opt out of text messages by replying STOP and may unsubscribe from marketing emails using the unsubscribe instructions contained in those communications.

Planning For Later operates a consumer information and lead-generation service.

Black Shark Ventures LLC may receive compensation from insurance professionals, agencies, marketing partners, or other businesses in connection with consumer inquiries, referrals, advertising, marketing services, or other business relationships.

Such compensation does not increase the premium of an insurance policy unless otherwise disclosed and permitted by applicable law.

Planning For Later does not guarantee that the insurance professional with whom you are connected offers every insurance product or carrier that may be available in your area.

Information available through Planning For Later is intended to help consumers better understand final expense insurance and the process of exploring potential coverage.

It is provided for general informational purposes only.

Nothing on the website should be considered legal, tax, financial, medical, or professional advice.

You should consult an appropriately qualified professional regarding questions requiring individualized advice.

Insurance products and services may not be available in every state or to every consumer.

Availability may depend on factors including your location, age, eligibility, health information, insurance carrier requirements, and applicable law.

Planning For Later may operate in selected states and may change the geographic areas in which its Services are available at any time.

You may use PlanningForLater.com only for lawful purposes.

You agree not to:

• Use the website for fraudulent, unlawful, or abusive purposes
• Submit information about another person without authorization
• Attempt to interfere with the operation or security of the website
• Attempt to gain unauthorized access to our systems or accounts
• Introduce malicious software, automated attacks, or harmful code
• Scrape, harvest, or systematically extract website content or data without authorization
• Impersonate another person or misrepresent your identity
• Use our content or branding in a misleading or unauthorized manner

We may restrict or terminate access to our Services where reasonably necessary to protect our website, users, business, or legal rights.

The Planning For Later name, branding, website design, graphics, logos, text, original content, and other materials made available through our Services are owned by or licensed to Black Shark Ventures LLC and may be protected by intellectual-property laws.

Except as permitted by law, you may not reproduce, distribute, modify, publish, sell, license, or commercially exploit our proprietary materials without prior written permission.

You may use publicly available information from our website for ordinary personal, noncommercial purposes.

Our Services may contain links to websites, services, insurance professionals, insurance carriers, or other third parties that we do not own or control.

We are not responsible for the content, availability, security, terms, or privacy practices of third-party websites or services.

Your interactions with third parties may be governed by their own terms and privacy policies.

We work to provide useful and accurate information, but we do not guarantee that every piece of information on our website will always be complete, current, or error-free.

Insurance products, regulations, carrier requirements, and other information may change.

We may modify, update, suspend, or discontinue any part of the website or Services at any time.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

WE DISCLAIM WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE EXTENT SUCH WARRANTIES MAY LAWFULLY BE DISCLAIMED.

We do not warrant that the Services will always be uninterrupted, secure, error-free, or available.

Nothing in these Terms excludes warranties or rights that cannot legally be excluded.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BLACK SHARK VENTURES LLC, PLANNING FOR LATER, AND THEIR RESPECTIVE OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES.

Nothing in these Terms is intended to exclude or limit liability where doing so would be prohibited by applicable law.

To the extent permitted by applicable law, you agree to indemnify and hold harmless Black Shark Ventures LLC and its affiliates, officers, employees, contractors, and representatives from claims, liabilities, losses, or expenses arising from your unlawful or unauthorized use of the Services or your material violation of these Terms.

Your privacy is important to us.

Our collection, use, and disclosure of personal information are described in our Privacy Policy, which should be read together with these Terms.

The consent language displayed when you submit a form may provide additional information regarding how information submitted through that particular form will be used and who may contact you.

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where applicable federal law or another jurisdiction’s mandatory laws provide otherwise.

Before initiating formal legal proceedings, you and Black Shark Ventures LLC agree to make a reasonable, good-faith effort to resolve a dispute informally.

You may contact us at support@planningforlater.com regarding a dispute.

Any additional dispute-resolution, arbitration, class-action-waiver, or venue provisions should be separately reviewed by qualified legal counsel before being incorporated into these Terms.

We may update these Terms periodically to reflect changes to our Services, business practices, or legal requirements.

When changes are made, we will update the “Last Updated” date at the top of this page.

Your continued use of the Services following the effective date of updated Terms constitutes acceptance of those Terms to the extent permitted by applicable law.

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

These Terms, together with our Privacy Policy and any additional terms or consent disclosures presented in connection with particular Services, constitute the agreement between you and Black Shark Ventures LLC regarding your use of Planning For Later’s Services.

If you have questions about these Terms, please contact: