Terms & Conditions
Last Updated: 11/27/2025
General Information
This website is operated by Armes Financial. The information on this site is for educational and informational purposes only and should not be considered financial, legal, tax, or investment advice. All content is provided “as-is” without warranties of any kind.
No Financial, Legal, or Tax Advice
Armes Financial provides general information about life insurance products and related topics.
Nothing on this website constitutes:
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Legal advice
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Tax advice
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Investment advice
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Financial planning advice
You should consult with a licensed professional (attorney, tax advisor, CPA, or financial planner) before making decisions.
Insurance Product Information
All insurance products described on this website are subject to:
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State regulations
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Underwriting approval
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Product availability
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Carrier-specific guidelines
Coverage, rates, features, and benefits vary by product, state, age, health, and carrier.
No information on this website guarantees coverage or premium amounts.
No Client Relationship Created
Using this website or contacting us through forms, emails, or calls does not create a client relationship or guarantee any insurance approval. A client relationship begins only when all required documents are completed and accepted by the insurance carrier.
Accuracy of Information
We make reasonable efforts to ensure information on this site is accurate and up to date, but:
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Information may change without notice
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We do not guarantee accuracy or completeness
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We are not responsible for errors, omissions, or outdated content
Third-Party Links
This website may contain links to third-party websites. Armes Financial is not responsible for:
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The content on those sites
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Privacy practices
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Security
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Accuracy
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Services or products offered
Accessing third-party links is at your own risk.
Use of Website
You agree not to:
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Misuse or disrupt this website
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Attempt to access restricted areas
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Copy, distribute, or modify content without consent
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Submit false or misleading information
Privacy
Your use of this website is also governed by our Privacy Policy.
By using this site, you agree that any information you submit may be used to contact you regarding insurance products and related services.
Intellectual Property
All content on this website—including text, logos, branding, images, and design—is the property of Armes Financial and may not be copied, reproduced, distributed, or used without written permission.
Limitation of Liability
Armes Financial is not liable for any damages arising from:
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Use of this website
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Inability to access this website
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Errors or omissions in content
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Decisions made based on information found here
You use this site at your own risk.
No Guarantee of Results
Life insurance quotes, illustrations, and examples shown on this site are for educational purposes only. Actual coverage amounts, approvals, and rates depend on underwriting and carrier determination.
Nothing on this site guarantees:
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Approval
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Coverage
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Cash value growth
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Tax outcomes
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Policy performance
Changes to Terms
Armes Financial may update these Terms & Conditions at any time. Continued use of the site means you accept any updated terms.