These Terms & Conditions apply to Stoic Financial (formerly Frontier Financial Agency; "Stoic Financial," "we," "us" or "our"), a licensed life insurance agency, and to your use of our website, forms and communications.
1. Acceptance
By using this website, requesting a quote, booking an appointment, applying to join our agent network or opting in to our communications, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the site or submit our forms.
2. Our services
Submitting a quote request, appointment request or application is not a binding offer of coverage, employment, a contract or a partnership. All coverage is subject to carrier underwriting and approval. We may evaluate, accept or decline any request at our discretion.
3. Text messaging program (A2P 10DLC and TCPA)
3.1 Program description
Stoic Financial sends text messages to clients, prospects, applicants and prospective agents in two categories: marketing and promotional messages (special offers, discounts and promotions), and informational and transactional messages (appointment confirmations, reminders, notifications and account updates).
3.2 Opt-in and consent
By providing your mobile number and checking an SMS consent box on our forms, you give express consent to receive recurring text messages of that type from Stoic Financial at that number. You confirm that you are the subscriber or regular user of the number. Consent is not a condition of any purchase, of employment or of receiving any service.
3.3 Message frequency
Message frequency varies based on your interactions with us.
3.4 Fees
Message and data rates may apply. Contact your wireless provider for details.
3.5 Opt-out
Reply STOP to any message at any time. You'll receive one confirmation message, and then texts will stop. To resubscribe, opt in again through one of our forms.
3.6 Help
Reply HELP to any message, or email gabepickett@frontierfinancialagency.com.
3.7 Supported carriers
Supported carriers include AT&T, T-Mobile, Verizon Wireless, Sprint, Boost, U.S. Cellular, MetroPCS and most other U.S. carriers. Carriers are not liable for delayed or undelivered messages.
3.8 Privacy
Your mobile number, opt-in data and consent are not shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy for details.
3.9 Email communications
You may receive emails about your request or application. You can opt out of marketing emails with the unsubscribe link in any email. Transactional and account emails will continue as needed.
3.10 Compliance
We follow applicable federal and state laws, including the Telephone Consumer Protection Act (TCPA), CTIA messaging guidelines and wireless carrier requirements.
4. Eligibility
You must be at least 18 years old to use this site, request a quote or apply. Agent applicants must be legally authorized to work in the United States. Licensing requirements vary by state.
5. Truthful information
You agree that the information you submit is truthful and accurate. Misrepresentation may result in denial of coverage, disqualification or termination.
6. Intellectual property
The content, graphics, logos and brand on this site belong to Stoic Financial and are protected by law. You may not copy or reuse them without our written permission.
7. Disclaimers
Coverage, rates and product availability depend on underwriting, state availability and carrier approval, and are not guaranteed. Calculators, quizzes and sample figures on this site are estimates for educational purposes and are not offers of coverage. Indexed universal life insurance is not an investment in the stock market. Annuity guarantees are backed by the claims-paying ability of the issuing insurer. Statements about agent income or growth are not guarantees; results depend on individual effort and vary.
8. Limitation of liability
To the fullest extent permitted by law, Stoic Financial is not liable for any indirect, incidental, special or consequential damages arising from your use of this site or our text messaging program.
9. Governing law
These Terms are governed by the laws of the State of Michigan, without regard to its conflict-of-law principles.
10. Changes to these terms
We may update these Terms from time to time. The "Last updated" date at the top shows the latest version. Continuing to use the site after changes means you accept the updated Terms.