Terms & Conditions

Effective Date: June 9, 2026

These Terms & Conditions govern your use of this website and your communications with Kevin Robert Nape ("we," "us," or "our"). By using this website, submitting a form, requesting information, or communicating with us, you agree to these Terms & Conditions.

1. Insurance Services

Kevin Robert Nape is an independent insurance broker providing information regarding life insurance, final expense insurance, and related insurance products and services.

Information provided through this website is for informational purposes only and does not constitute a guarantee of coverage, approval, pricing, or policy issuance. Coverage availability and pricing are determined by the insurance carrier and underwriting guidelines.

2. Website Use

You agree to use this website only for lawful purposes and in a manner that does not interfere with the operation, security, or accessibility of the website.

You may not attempt to gain unauthorized access to any portion of this website or its related systems.

3. SMS Messaging Terms

By providing your mobile phone number and expressly consenting to receive text messages, you agree to receive SMS communications from Kevin Robert Nape regarding:

• Insurance information you requested
• Appointment scheduling and reminders
• Customer service communications
• Policy-related discussions
• Follow-up communications

Message frequency varies.

Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP to any message.

For assistance, reply HELP or contact us directly.

Consent to receive SMS messages is not a condition of purchasing any product or service.

4. Electronic Communications

By submitting your contact information through this website, you consent to receive communications from us by phone, email, and SMS regarding your inquiry, requested information, appointments, customer service matters, and insurance-related communications.

You may withdraw consent for SMS communications at any time by following the opt-out instructions provided in the messages.

5. Privacy

Your use of this website is also governed by our Privacy Policy.

Please review our Privacy Policy here:

Privacy Policy

6. No Guarantee of Coverage

Submitting information through this website does not guarantee eligibility, approval, pricing, or issuance of any insurance policy.

Insurance coverage is subject to carrier underwriting requirements, policy terms, conditions, limitations, and applicable state regulations.

7. Limitation of Liability

To the fullest extent permitted by law, Kevin Robert Nape shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from the use of this website or reliance on information provided through this website.

8. Changes to These Terms

We reserve the right to modify these Terms & Conditions at any time. Updated versions will be posted on this page with a revised effective date.

9. Contact Information

Kevin Robert Nape
Website: https://kevinnapeinsurance.com
Email: [email protected]
Phone: 570-780-3311

10. Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages. Message delivery may be affected by factors outside the control of Kevin Robert Nape, including carrier network availability and mobile device capabilities.

11. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the United States and the state in which the business is operated, without regard to conflict of law principles.