F1F

Terms of Service

Effective Date: July 2, 2026 • Family 1st Financial

1.Acceptance of Terms

By accessing our website or submitting an application, you agree to these Terms of Service. If you do not agree, please do not use our website or submit any application.

2.Use of Website

  • This website is intended for licensed insurance agents and prospective agents.
  • You must be 18 or older to use this site.
  • You agree not to misuse the site or submit false information.

3.Agent Applications

  • Submission of an application does not guarantee contracting.
  • We reserve the right to approve or deny any application at our sole discretion.
  • All information submitted must be accurate and truthful.

4.SMS Consent and Communications

By submitting your information through any form on this website and providing your phone number, you agree to receive SMS text messages from Family 1st Financial. These messages may include recruiting information, application updates, onboarding instructions, and business communications. You can opt out at any time by replying STOP. Message and data rates may apply. Consent is not a condition of any purchase or agreement.

5.Intellectual Property

  • All content on this website is owned by Family 1st Financial.
  • You may not reproduce or distribute our content without prior written permission.

6.Disclaimer of Warranties

  • This website is provided "as is" without warranties of any kind, express or implied.
  • We do not guarantee specific commission levels or income results.

7.Limitation of Liability

  • Family 1st Financial is not liable for indirect or consequential damages.
  • Income results depend on individual agent effort and market conditions.

8.Governing Law

These terms are governed by the laws of the State of Michigan, without regard to its conflict-of-laws principles.

9.Contact

See also our Privacy Policy.

IMPORTANT LEGAL DISCLAIMER — LIFE INSURANCE SALES

Life insurance sales is a heavily regulated profession subject to federal, state, and local laws, rules, regulations, and guidance across all 50 United States. Engaging in the sale of life insurance products requires, at minimum: (1) successful completion of state-approved pre-licensing education; (2) passing of all required state licensing examinations; (3) obtaining and maintaining an active life insurance producer license in every state in which you conduct business; (4) appointment with each insurance carrier whose products you intend to sell; and (5) ongoing continuing education as required by your resident and non-resident states.

All agents affiliated with Family 1st Financial are independent contractors solely responsible for compliance with all applicable licensing, appointment, suitability, and ethical requirements in every jurisdiction in which they operate. Family 1st Financial does not provide legal or compliance advice. Nothing on this website constitutes a guarantee of income, commissions, or business results. Individual results vary based on effort, market conditions, licensing status, and other factors.

Client suitability is paramount. All insurance recommendations must be based on a thorough needs analysis and must be suitable for the client's individual financial situation, needs, and objectives in compliance with all applicable state insurance regulations, NAIC guidelines, and federal requirements. Agents are required to act in the best interest of their clients at all times.

By submitting an application or engaging with Family 1st Financial, you represent that you hold or are actively pursuing all required licenses and appointments necessary to conduct insurance business in your state(s) of operation.

Family 1st Financial | Michigan | Not licensed in all states. Products and availability vary by state.