Terms and conditions

1. Agreement to Terms

By accessing our website, submitting a contact form, or communicating with Marandam Insurance Group ("Company," "we," "us," or "our"), you agree to these Terms and Conditions. If you do not agree, please do not use our services or submit your information.

2. Services

Marandam Insurance Group is a licensed life insurance agency based in Florissant, Missouri. We provide information, consultations, and placement services related to life insurance, indexed annuities, and retirement planning products. Nothing on our website constitutes a binding insurance contract or guarantee of coverage.

3. SMS Communications

By providing your phone number through any form on our website or associated landing pages, you expressly consent to receive SMS text messages from Marandam Insurance Group regarding your insurance inquiry. These messages may include follow-up information, appointment reminders, and product information related to your expressed interest.

Message frequency varies based on your inquiry and our communication schedule. Standard message and data rates may apply depending on your mobile carrier plan.

To opt out: Reply STOP to any SMS message at any time. You may also opt out by emailing msmith@marandaminsgroup.com or calling 314-279-5818. After opting out, you will receive one final confirmation message and no further messages will be sent.

4. Accuracy of Information

We strive to provide accurate and current information on our website and in our communications. However, insurance product details, availability, and pricing are subject to change and may vary based on individual circumstances, underwriting approval, and state regulations.

5. Limitation of Liability

Marandam Insurance Group is not liable for any indirect, incidental, or consequential damages arising from your use of our website or services. Our total liability for any claim shall not exceed the amount paid by you, if any, for the specific service in question.

6. Governing Law

These Terms and Conditions are governed by the laws of the State of Missouri. Any disputes arising under these terms shall be resolved in the courts of St. Louis County, Missouri.

7. Changes to These Terms

We reserve the right to update these Terms and Conditions at any time. Changes will be posted on this page with an updated date. Continued use of our services after changes are posted constitutes acceptance of the revised terms.

8. Contact Us

Marandam Insurance Group
Florissant, Missouri
Phone: 314-279-5818
Email: msmith@marandaminsgroup.com
Website: https://www.marandaminsgroup.com