Terms & Conditions

Simple Terms, Honest Service

We believe in clear communication and mutual respect. These Terms & Conditions outline the use of our website, how we deliver our services, and what you can expect when working with Cardinal Family Insurance. No confusing jargon — just straightforward information you can count on.

Effective Date: 1/1/2025

By accessing or using this website, you agree to be bound by the following Terms & Conditions. These terms are intended to ensure clarity and protect both you and Cardinal Family Insurance as we work together to find the right coverage for your needs.

1. Use of Website

The information on this website is provided for general informational purposes only and is not intended as legal, financial, or insurance advice. While we strive for accuracy, we make no guarantees regarding the completeness or reliability of the content.

2. Services Offered

Cardinal Family Insurance provides access to multiple A+ rated insurance carriers to help clients with:

  • Life insurance

  • Mortgage protection

  • Final expense coverage

  • Debt elimination

  • Retirement planning

  • Financial planning

Recommendations are based on the information you provide and may require underwriting or additional verification by partnered carriers.

3. No Guarantee of Coverage

Submitting information through our website or speaking with an agent does not guarantee coverage or policy approval. All applications are subject to carrier guidelines, eligibility, and final approval.

4. Client Responsibility

You agree to provide accurate, up-to-date information during the consultation and application process. Providing false or misleading information may impact your eligibility for coverage.

5. Intellectual Property

All content on this website — including text, graphics, logos, and images — is the property of Cardinal Family Insurance and may not be copied, distributed, or reused without written permission.

6. Links to Third-Party Sites

Our website may include links to third-party sites (e.g., insurance carriers, review platforms, social media). We are not responsible for the content, policies, or practices of these external sites.

7. Privacy & Data Security

We are committed to protecting your information. Please refer to our [Privacy Policy] for details on how we collect, use, and protect your personal data.

If you share health-related or sensitive information, it may be subject to additional privacy measures outlined in our [Consumer Health Data Privacy Notice].

8. Modifications to Terms

We may update these Terms & Conditions as needed. Any changes will be posted on this page with an updated effective date. Continued use of the website signifies your acceptance of the current terms.

9. Contact Information

If you have any questions about these terms, or if you’d like to speak directly with Melissa, reach out anytime:

Cardinal Family Insurance
Melissa Peterson, Owner & Field Underwriter
6381 Audubon Drive
Pensacola, FL 32504
(850) 601-0612
melissapeterson@cardinal-family-insurance.com