Terms and Conditions
Effective 12/16/2025
Welcome to graceflame.com, operated by Grace Flame Insurance Solutions (“we,” “us,” or “our”). By accessing or using this website, you agree to be bound by the following Terms and Conditions. Please read them carefully.
If you do not agree with these Terms, please do not use this website.
Use of This Website
This website is provided for informational and educational purposes only. It is intended to help users better understand Medicare, Final Expense insurance, and related services. Use of this website does not create an insurance agent-client relationship until a formal consultation or agreement occurs.
You agree to use this website lawfully and not for any purpose that is prohibited by these Terms or applicable laws.
No Professional or Legal Advice
The information provided on graceflame.com is general in nature and should not be considered legal, financial, medical, or tax advice. Insurance coverage decisions should be made based on your individual needs and circumstances and discussed directly with a licensed insurance professional.
We do not guarantee that information on this website is complete, current, or applicable to every individual situation.
Insurance Services Disclaimer
Grace Flame Insurance Solutions is an independent insurance agency. We are not affiliated with or endorsed by Medicare, the U.S. government, or any federal or state agency.
Insurance availability, eligibility, benefits, and pricing vary by carrier, state, and individual circumstances. Submitting a form or requesting a consultation does not obligate you to enroll in any insurance plan.
Appointments and Consultations
Complimentary Clarification Consultations are offered for educational purposes and to discuss potential insurance options. Availability is subject to scheduling and confirmation. We reserve the right to reschedule or decline appointments when necessary.
User Submissions and Forms
By submitting information through contact forms or scheduling requests on this website, you agree to provide accurate and truthful information. You understand that submitting a form does not create an obligation to purchase insurance.
Your information will be handled in accordance with our Privacy Policy.
Intellectual Property
All content on graceflame.com, including text, graphics, logos, images, branding elements (including the Mingy mascot), and other materials, is the property of Grace Flame Insurance Solutions and may not be copied, reproduced, modified, or distributed without prior written permission.
Unauthorized use of this content is prohibited.
Third-Party Links
This website may contain links to third-party websites or services for your convenience. Grace Flame Insurance Solutions is not responsible for the content, privacy practices, or accessibility of external websites.
Accessing third-party websites is done at your own risk.
Limitation of Liability
Grace Flame Insurance Solutions shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use this website, including reliance on information provided herein.
Use of this website is at your own risk.
Accessibility Commitment
We are committed to making our website accessible to all users. Please refer to our Accessibility Statement for more information. If you experience difficulty accessing any part of this website, please contact us for assistance.
Changes to These Terms
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Changes will become effective immediately upon posting to this page. Continued use of the website constitutes acceptance of the updated Terms.
Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the state in which Grace Flame Insurance Solutions operates, without regard to conflict of law principles.
Contact Information
If you have questions about these Terms and Conditions, please contact us:
Grace Flame Insurance Solutions
📞 Phone: +1 (301) 710-8254
📧 Email: anika@graceflame.com
🌐 Website: https://www.graceflame.com