Effective October 27, 2026

Terms of Service

Effective date: October 27, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of www.futureplansnow.com (the "Site") and the services offered by Future Plans ("Future Plans," "we," "us," or "our"). By using the Site or our services, you agree to these Terms. If you do not agree, please do not use the Site.

2. Our Services

Future Plans is an independent insurance agency. We help clients compare and obtain property and casualty, life and annuity insurance products from the insurance companies we represent. Products and availability vary by state and carrier.

3. No Coverage Until Bound

Information on the Site is for general informational purposes only and is not an offer of insurance. Requesting a quote does not create coverage. Coverage is not in effect until it has been accepted and bound by the insurance company and confirmed in writing. All coverage is subject to the terms, conditions, limits and exclusions of the policy actually issued, and quotes are subject to underwriting approval.

4. Your Information

You agree to provide accurate and complete information when requesting quotes or services. Inaccurate or incomplete information may affect your eligibility, premium or coverage. Our use of your information is described in our Privacy Policy.

5. Text Messaging Program

By providing your mobile number and opting in, you agree to receive text messages from Future Plans related to your inquiry, quotes, appointments, policies and customer service. Consent is not a condition of purchase.

Message frequency: Frequency may vary.

Cost: SMS/MMS Data rates may apply.

Opt out: Reply STOP at any time to stop receiving messages. You will receive one confirmation message.

Help: Reply HELP for assistance, or contact us at (404) 369-4403 or brandonscott@futureplansnow.com.

Carriers are not liable for delayed or undelivered messages.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the stated categories in this privacy policy exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Frequency may vary. SMS/MMS Data rates may apply.

6. Use of the Site

You agree not to misuse the Site, including by attempting to gain unauthorized access, interfering with its operation, or using it for any unlawful purpose.

7. Intellectual Property

The content on the Site, including text, graphics and logos, is owned by Future Plans or its licensors and may not be copied or used without permission. Carrier names and logos are the property of their respective owners.

8. Third-Party Websites

The Site may contain links to insurance carriers and other third-party websites. We do not control and are not responsible for their content or practices.

9. Disclaimers

The Site and its content are provided "as is" without warranties of any kind. Information on the Site is general in nature and is not legal, tax or financial advice. Please consult your policy documents and a licensed professional regarding your specific situation.

10. Limitation of Liability

To the fullest extent permitted by law, Future Plans will not be liable for any indirect, incidental or consequential damages arising from your use of the Site. Nothing in these Terms limits any rights you have under applicable insurance law.

11. Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to its conflict-of-law rules.

12. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on this page with a new effective date.

13. Contact Us

Questions about these Terms may be sent to:

Future Plans

Website: www.futureplansnow.com

Email: brandonscott@futureplansnow.com

Phone: (404) 369-4403