Terms of Use

Last updated: July 12, 2026

Welcome to myvitalpathway.com (the "Site"), operated by Vital Pathway ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms of Use (the "Terms") and by our Privacy Policy. If you do not agree, please do not use the Site.

1. About This Website

The Site is an advertising and marketing website. We are not an insurance company, insurance agency, or licensed producer, and we do not sell, underwrite, or issue insurance. We are not affiliated with, connected to, or endorsed by any government agency. The Site is a solicitation for insurance: its purpose is to connect interested visitors, by telephone, with independent third-party licensed insurance agents who can provide information about final expense life insurance options.

Any product descriptions on the Site are general in nature. Product availability, features, eligibility requirements, and terms vary by state and by carrier, and are determined solely by the insurance carrier. Not all callers will qualify.

2. Eligibility

The Site is intended for individuals who are 18 years of age or older and who are residents of the United States. By using the Site, you represent that you meet these requirements.

3. No Insurance, Financial, or Legal Advice

Content on the Site is provided for general informational and advertising purposes only and does not constitute insurance, financial, tax, or legal advice. You should rely on the licensed agent and the insurance carrier — and, where appropriate, your own professional advisors — for advice about your specific situation. Any decision to apply for or purchase coverage is made solely between you and the carrier.

4. Telephone Calls

The telephone number displayed on the Site is a tracking number provided by our advertising partners. By dialing it, you are voluntarily initiating a call and consent to being connected with third-party licensed insurance agents or their call centers. Calls may be recorded or monitored by the parties who answer them for quality assurance, training, and compliance purposes. Standard charges from your telephone provider may apply. Information about your call may be shared with our partners as described in our Privacy Policy.

5. Compensation Disclosure

The operator of the Site participates in performance-based advertising programs and may receive compensation from advertising networks, agencies, agents, or carriers when visitors call the telephone number displayed on the Site or take other actions. This compensation may influence which offers appear on the Site. The Site does not present every product or carrier available in the marketplace.

6. Intellectual Property

The Site and its content — including text, graphics, logos, and design — are owned by us or our licensors and are protected by applicable intellectual-property laws. You may view the Site for personal, non-commercial use. You may not copy, reproduce, distribute, modify, or create derivative works from the Site without our prior written permission.

7. Acceptable Use

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms;
• Interfere with or disrupt the Site, its servers, or its security features;
• Use bots, scrapers, or other automated means to access the Site;
• Place calls to the number on the Site in bad faith, for harassment, or to generate fraudulent or invalid call activity; or
• Misrepresent your identity or eligibility.

8. Third-Party Services

The agents, agencies, carriers, and call centers you may be connected with are independent third parties. We do not control and are not responsible for their acts, omissions, representations, products, or services. Any dealings between you and a third party are solely between you and that third party.

9. Disclaimer of Warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, WITHOUT ERRORS, OR SECURE, OR THAT ANY CALLER WILL QUALIFY FOR ANY PRODUCT.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR ANY CALL PLACED TO THE NUMBER DISPLAYED ON IT. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

11. Indemnification

You agree to indemnify and hold harmless the operator of the Site and its owners, employees, and partners from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Site or your violation of these Terms.

12. Governing Law

These Terms are governed by the laws of the United States and, where applicable, the laws of the state in which the operator of the Site is organized, without regard to conflict-of-law principles.

13. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent version. Your continued use of the Site after changes are posted means you accept the updated Terms.

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

15. Contact Us

Questions about these Terms? Contact us at contact@myvitalpathway.com.