Terms of Service

By accessing our website and using our chat widget or contacting us for a quote, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are acting on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

ZC Financial Inc, through licensed agent Zachary Carpenter (License No. 18299898), provides life insurance information and helps individuals and families explore coverage options, including term life, whole life, final expense, and mortgage protection coverage. Any information we provide is general in nature and is not a guarantee of coverage, pricing, or eligibility. Actual coverage, premiums, and terms are determined by the issuing insurance carrier and its underwriting process. We do not guarantee that any particular product or rate will be available to you.

By submitting your phone number through the chat widget on this website and checking the consent box, you authorize ZC Financial Inc to send you text messages and calls, including promotional messages, quote follow ups, appointment confirmations and reminders, possibly using automated means. Message frequency varies. Message and data rates may apply. Consent is not a condition of purchase. Reply STOP at any time to unsubscribe; you will receive one confirmation message and no further messages. Reply HELP for help, or contact +1 726 205 3334 or zach@onelifecoverage.com. Carriers are not liable for delayed or undelivered messages.

To the fullest extent permitted by applicable law, ZC Financial Inc and its agents and representatives shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from your use of our website or services, even if we have been advised of the possibility of such damages. Our services are provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of any information provided.

We may modify these Terms at any time. When we do, we will revise the “Last updated” date at the top of this page. Your continued use of our website or services after any changes indicates your acceptance of the revised Terms. We encourage you to review these Terms periodically.

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

• Phone: +1 726 205 3334
• Email: zach@onelifecoverage.com
• Address: 20322 Oak Panache, San Antonio, TX 78259