Terms of Use

1. Acceptance of These Terms

This website (the "Site") is operated by Stability First Financial Group, LLC ("SFFG," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms of Use and by our Privacy Policy, which is incorporated here by reference. If you do not agree, you should not access or use the Site.

2. Informational Purposes Only

The content on this Site is provided for general informational purposes only. It describes, in general terms, categories of life insurance products and related services. It does not constitute insurance, financial, tax, or legal advice, and it is not a recommendation to buy any specific product. Product availability, features, riders, rates, and terms vary by carrier, product, and state, and are subject to underwriting and the terms of the actual policy issued. You should rely only on the terms of a policy and the guidance of a licensed professional for your specific situation.

3. Not an Offer or Solicitation Where We Are Not Licensed

SFFG is licensed in Illinois and holds non-resident licenses in more than 20 states. Danny Souri operates under National Producer Number 19497237 and under the compliance umbrella of Quility. Nothing on this Site is an offer to sell, or a solicitation of an offer to buy, any insurance product in any state or jurisdiction where SFFG is not licensed or where such an offer or solicitation would be unlawful. Information on the Site is not directed at residents of any jurisdiction where we are not authorized to do business.

4. Eligibility

The Site is intended for residents of the United States who are at least 18 years of age. By using the Site, you represent that you meet these requirements and that the information you provide to us is accurate and complete.

5. Consultations, Forms, and Messaging

The Site may let you contact us, submit a request, schedule a consultation through a third-party scheduling tool, or communicate with us by chat, email, phone, or text message. Submitting a request or booking a consultation does not create any insurance coverage and does not obligate you to purchase anything. If you provide your phone number, our SMS text-messaging practices — including how to opt out — are described in Section 4 of our Privacy Policy. Message and data rates may apply.

6. Intellectual Property

All content on the Site — including text, graphics, logos, the "Stability First Financial Group" name and brand, images, and their selection and arrangement — is owned by or licensed to SFFG and is protected by applicable intellectual-property laws. You may view and print pages from the Site for your own personal, non-commercial use. You may not copy, reproduce, republish, distribute, modify, or create derivative works from any part of the Site without our prior written permission.

7. Acceptable Use

You agree not to:

• Use the Site for any unlawful, fraudulent, or harmful purpose
• Submit false, misleading, or another person's information without authorization
• Attempt to gain unauthorized access to the Site, its servers, or any connected systems
• Interfere with or disrupt the Site, including by introducing malware or overloading our infrastructure
• Use automated means (such as scrapers or bots) to access or collect data from the Site without our permission

8. Third-Party Links and Services

The Site may contain links to, or rely on, third-party websites and services (for example, appointment scheduling, chat, and messaging tools). We do not control and are not responsible for the content, privacy practices, or availability of those third parties. Your use of a third-party service is governed by that third party's own terms and privacy policy.

9. Privacy

Your use of the Site is also governed by our Privacy Policy & SMS Communications Notice, which explains what information we collect and how we use and protect it. By using the Site, you consent to the practices described there.

10. Disclaimer of Warranties

The Site and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses, or that the information on it is complete, accurate, or current. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

11. Limitation of Liability

To the fullest extent permitted by law, SFFG and its owner, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data, use, or goodwill, arising out of or related to your access to or use of (or inability to use) the Site, even if we have been advised of the possibility of such damages. Nothing in these Terms limits any liability that cannot be limited under applicable law. This section addresses use of the website only; it does not affect the terms of any insurance policy, which are governed by the policy itself.

12. Indemnification

You agree to indemnify and hold harmless SFFG and its owner, employees, and affiliates from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your misuse of the Site or your violation of these Terms.

13. Changes to These Terms

We may update these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after any changes take effect constitutes your acceptance of the revised Terms.

14. Governing Law

These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-laws rules. Any dispute relating to these Terms or the Site will be subject to the exclusive jurisdiction of the state and federal courts located in Illinois, to the extent permitted by law.

15. Contact Us

If you have any questions about these Terms of Use, please contact us: