Terms of Service

1. Agreement to Terms

By accessing or using the website operated by Simms Insurance Agency ("Agency," "we," "us," or "our"), located at simmsagency.com, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use this website.

These Terms constitute a legally binding agreement between you and Simms Insurance Agency, a licensed insurance agency operating under the laws of the State of Arizona.

2. Nature of Services

Simms Insurance Agency is a licensed insurance agency in the State of Arizona. We provide information about insurance products and connect consumers with insurance carriers. We are not an insurance company. All insurance policies are underwritten and issued by the respective insurance carriers.

The services offered through this website include:

• Educational information about final expense and life insurance products
• Quote request submission and processing
• Contact facilitation between prospective policyholders and licensed agents
• General insurance guidance and consultation scheduling

3. No Insurance Contract

No insurance policy, binder, or contract is created by visiting this website, submitting a quote request, or communicating with our staff through any channel. An insurance policy is only effective when formally issued by an insurance carrier after completion of the full underwriting process, delivery of the policy document, and payment of the initial premium.

All quotes provided through this website are estimates only and are subject to change based on the underwriting criteria of the issuing carrier. Final premium rates, coverage amounts, and policy terms are determined solely by the insurance carrier.

4. Not Professional Advice

The information provided on this website is for general informational purposes only and does not constitute professional insurance, financial, tax, or legal advice. You should consult with a qualified professional before making any insurance or financial decisions.

While we strive to keep all information current and accurate, we make no representations or warranties about the completeness, accuracy, reliability, or suitability of the information provided.

5. Licensing & Regulatory Compliance

Simms Insurance Agency and its agents are licensed by the Arizona Department of Insurance and Financial Institutions (ADIFI). The sale of insurance products is regulated by Arizona Revised Statutes Title 20 and applicable federal regulations.

Insurance products may not be available in all states. Any insurance-related communications are limited to states where our agents are properly licensed.

6. Carrier Relationships

Simms Insurance Agency represents multiple insurance carriers, which may include but are not limited to: Americo, F&G, Foresters Financial, American Amicable, TransAmerica, and Banner Life. Carrier availability and product offerings are subject to change without notice.

We receive commissions from insurance carriers when policies are placed. This compensation structure may vary by carrier and product. We are committed to recommending products based on your individual needs and circumstances.

7. User Responsibilities

When submitting information through this website, you agree to:

• Provide truthful, accurate, and complete information
• Be at least 18 years of age or have parental/guardian consent
• Not misrepresent your identity or eligibility for insurance products
• Not use this website for any unlawful purpose
• Not attempt to interfere with the proper functioning of this website

Material misrepresentation of health, financial, or personal information may result in policy rescission, denial of claims, or other consequences as determined by the issuing insurance carrier and applicable law.

8. Communication Consent (TCPA)

By submitting your contact information through any form on this website, you expressly consent to receive communications from Simms Insurance Agency, including but not limited to:

• Phone calls (including from automated systems)
• SMS/text messages
• Emails
• Direct mail

This consent is provided in accordance with the Telephone Consumer Protection Act (TCPA) and is not a condition of purchasing any insurance product. You may revoke consent at any time by contacting us at info@simmsagency.com or (602) 505-1077. Standard message and data rates may apply.

9. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Simms Insurance Agency or its licensors and is protected by U.S. copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

10. Third-Party Links

This website may contain links to third-party websites, including insurance carrier portals. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY ARIZONA LAW, SIMMS INSURANCE AGENCY, ITS OFFICERS, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THIS WEBSITE OR ANY INSURANCE PRODUCT OBTAINED THROUGH OUR SERVICES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING UNDER THESE TERMS SHALL NOT EXCEED THE AMOUNT OF COMMISSIONS RECEIVED BY US IN CONNECTION WITH THE SPECIFIC TRANSACTION GIVING RISE TO THE CLAIM.

12. Indemnification

You agree to indemnify, defend, and hold harmless Simms Insurance Agency and its agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of your use of this website, violation of these Terms, or any misrepresentation made by you during the insurance application process.

13. Dispute Resolution

Any disputes arising out of or relating to these Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to conflict of law principles. Any legal proceedings shall be brought exclusively in the state or federal courts located in Maricopa County, Arizona.

14. Modifications

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website after any modification constitutes your acceptance of the revised Terms.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

16. Contact Information

For questions about these Terms of Service, contact us:

Simms Insurance Agency
6044 S. 16th St. Suite 180
Phoenix, AZ 85042
Phone: (602) 505-1077
Email: info@simmsagency.com