Terms of Service

Welcome to pencefinancialgrp.com, operated by Pence Financial Group ("PFG," "we," "us"). By using this website, you agree to these terms. If you don't agree, please don't use the site.

What this website is (and isn't)

• This site provides general information about life insurance products and a way to request a conversation with a licensed agent. Nothing on it is a policy, an offer of coverage, a binder, or a guarantee of insurability, rates, or benefits.
• All products are underwritten and issued by third-party insurance carriers. Availability, rates, and benefits vary by carrier, state, age, health, and underwriting. Guarantees are backed solely by the claims-paying ability of the issuing carrier.
• Recommendations are made only by licensed agents, only after an individual conversation. Website content — including AI-assisted content — is educational and is not insurance, financial, tax, or legal advice.
• Investment advisory services are not offered. References to future wealth management describe a business roadmap, not current services, and the waitlist is an expression of interest only — it creates no client or advisory relationship.

Booking, forms, and communications

When you submit a form or book a call, you agree to be contacted as described in our Privacy Policy, including by phone, text, and email. You agree to provide accurate information; quotes based on inaccurate information will change at underwriting.

Statistics and third-party content

Industry figures cited on this site come from sources we believe reliable (such as LIMRA and the American Council of Life Insurers) as of their publication dates. They describe the industry, not the performance or guarantees of PFG or any specific policy, and may be updated over time.

Intellectual property

The PFG name, logo, and site content belong to Pence Financial Group. You may not copy, scrape, or reuse them for commercial purposes without written permission.

Acceptable use

Don't misuse the site: no unlawful use, no attempts to breach security, no submitting false information, and no interfering with the site's operation.

Disclaimers and limitation of liability

The site is provided "as is" and "as available," without warranties of any kind, express or implied. To the fullest extent permitted by law, PFG is not liable for indirect, incidental, or consequential damages arising from your use of the site. Nothing in these terms limits rights you have under applicable insurance law or affects the terms of any policy actually issued to you by a carrier.

Governing law

These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Any dispute relating to this website will be brought in the state or federal courts located in Florida.

Changes and contact

We may update these terms by posting a revised version with a new effective date; continued use after changes means acceptance. Questions: info@pencefinancialgrp.com.