Terms and Conditions

1. Educational content only — not professional advice

Everything on this website — including the coverage-gap questionnaire, strategy descriptions, and educational articles — is for general educational purposes only. It is not financial, tax, legal, or insurance advice, and it does not create a client or advisory relationship. Everyone's situation is different — talk with a licensed professional about your own circumstances before making decisions. Chuck Tolbert is a Licensed Financial Professional and Sheila Tolbert is a health insurance professional with TFG Tolbert Financial Group.

2. No guarantees

We share strategies and concepts that have worked for others, but we make no promises about results. Any examples, numbers, or illustrations are hypothetical and shown to explain concepts — your actual results will vary based on your health, age, underwriting, the products you choose, and other factors. Insurance policy values, including any cash value or income figures shown in examples, are not guaranteed unless a carrier guarantees them in writing.

3. Insurance products

Life insurance, health insurance, disability income, and annuity products are subject to application, underwriting approval, and the terms of the issuing insurance company. Policy loans, withdrawals, and premium changes can affect your cash value, death benefit, and tax treatment. Nothing here is an offer to sell insurance in any state where TFG is not licensed to do so.

4. Questionnaire results — estimates, not advice

The coverage-gap questionnaire produces an estimated defense score and suggested discussion topics based on your answers. These are starting points for a conversation with a licensed professional, not a diagnosis of your financial situation and not a recommendation to buy any specific product.

5. Strategy Call

Booking a Strategy Call does not obligate you to purchase anything. The call is a complimentary conversation to review your situation and, if appropriate, discuss next steps in TFG's planning process.

6. Intellectual property

All content on this website — text, graphics, videos, and downloadable materials — belongs to TFG Tolbert Financial Group or its licensors and is protected by copyright and other laws. You may view and use it for your own learning, but you may not copy or reuse it commercially without permission.

7. Acceptable use

Please use this website lawfully. Don't attempt to disrupt it, misrepresent your identity on our forms, or submit someone else's contact information without their permission.

8. Limitation of liability

To the fullest extent permitted by law, TFG Tolbert Financial Group is not liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on its content.

9. Changes to these terms

We may update these terms occasionally. Continued use of the website after changes means you accept the updated terms. The "Last updated" date shows the current version.

10. Contact

Questions about these terms? Reach us at (728) 242-3597 or through tolbertfinancialgroup.com .