Terms and Conditions

Last Updated: October 14, 2026

Welcome to Essential Protections, Inc.

These Terms and Conditions govern your use of our website, insurance-related services, and SMS and email communication programs.

By accessing or using our website, you agree to these Terms and Conditions and acknowledge our Privacy Policy. Enrollment in SMS marketing or other consent-based communications requires separate consent.

1. Services and Program Description

Essential Protections, Inc. provides insurance-related information and assistance, including:

Final Expense Insurance

Accidental Death Only (ADO) Insurance

Mortgage Protection Insurance

Annuities

Insurance policy reviews and consultations

We may send SMS and email messages to individuals who have opted in to receive communications.

Depending on the consent provided, messages may include:

Insurance inquiry responses

Appointment confirmations and reminders

Policy and service updates

Customer support communications

Insurance product information and promotional messages

Message frequency may vary based on your interactions with our business and the messaging program you join.

2. Consent to Receive SMS Messages

By providing your mobile phone number and expressly opting in to our SMS communications, you authorize Essential Protections, Inc. to send text messages to the number provided.

Messages may be sent using automated messaging technology, where permitted by law and covered by your consent.

Consent to receive marketing text messages is not a condition of purchasing insurance products or services.

You may withdraw your consent at any time.

3. SMS Opt-Out Instructions

You can cancel the SMS service at any time by replying STOP to a message received from Essential Protections, Inc.

After you send STOP, you may receive a confirmation text acknowledging your unsubscribe request.

Once unsubscribed, you will no longer receive messages from that SMS program unless you opt in again.

4. Opting In Again

If you wish to receive SMS communications after opting out, you may enroll again through an available opt-in method, such as submitting a website form with the appropriate consent.

5. Help and Customer Support

If you experience issues with our SMS messaging program, reply HELP to a message for assistance.

You may also contact us directly:

Phone: 301-404-2228

Email: [email protected]

We will make reasonable efforts to respond to inquiries and provide assistance.

6. Message Frequency and Rates

Message frequency varies depending on your inquiries, appointments, services, and the communications you have agreed to receive.

Message and data rates may apply to SMS messages sent to or received from Essential Protections, Inc.

For information regarding your mobile messaging or data plan, contact your wireless service provider.

7. Carrier Disclaimer

Wireless carriers are not responsible for delayed or undelivered messages.

SMS delivery may depend on network availability, carrier restrictions, device compatibility, and other factors outside our control.

8. Insurance Information Disclaimer

Information provided on this website is intended for general educational and informational purposes only.

Insurance products, benefits, eligibility requirements, exclusions, and premiums vary by insurance carrier, policy, applicant qualifications, and state.

Coverage is subject to the terms and conditions of the applicable insurance policy and approval by the issuing insurance carrier.

Submitting an inquiry or requesting a quote does not establish insurance coverage or guarantee policy approval.

Annuity products may involve fees, surrender charges, and other restrictions. Guarantees are subject to the claims-paying ability of the issuing insurance company.

Essential Protections, Inc. provides services only in jurisdictions where the appropriate licensing and authorization requirements are satisfied.

9. Website Use

You agree to use our website and services for lawful purposes only.

You may not use our website to submit false information, interfere with website operations, or engage in activities that violate applicable laws or regulations.

We reserve the right to restrict access to our website when necessary to protect our systems, business operations, and users.

10. Privacy Policy

Your use of our website and communications programs is also subject to our Privacy Policy.

Our Privacy Policy explains how we collect, use, protect, and share your personal information.

Privacy Policy: [Insert published Privacy Policy URL]

11. Changes to These Terms

Essential Protections, Inc. may update these Terms and Conditions periodically.

Changes will be published on this page with an updated Last Updated date.

Continued use of our website after changes become effective constitutes acceptance of the updated website terms, to the extent permitted by applicable law.

12. Contact Information

If you have questions about these Terms and Conditions, please contact:

Essential Protections, Inc.

Contact Person: Brenda T. Arrington

Location: Lanham, Maryland 20706

Phone: 301-404-2228

Email: [email protected]