Information first. Your decision.

Family Life Clarity is a consumer marketing and lead-generation website operated by Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC.

What this website does

We help people explore final expense and other life insurance options by connecting consumer inquiries with licensed third-party insurance professionals. We are not an insurance carrier or agency, do not underwrite policies, and do not make eligibility decisions.

What to expect

You can read our resources before choosing whether to call. A licensed insurance professional can discuss available products and answer questions. The provider determines eligibility, premiums, policy terms, and availability.

How calls work

When you click Call Now, this website requests a telephone number from its call-routing provider. Once the call is prepared, your device may open its phone application. Your call may be routed or transferred to a third-party provider. There is no obligation to buy insurance.

Fees and compensation

Visitors do not pay a fee to use this website. We may receive compensation from licensed insurance professionals or marketing partners when a consumer requests information or connects by phone.

Privacy Policy · Terms of Service

Questions to ask before you choose a policy.

Use these topics to prepare for a conversation with a licensed insurance professional.

What is final expense insurance?

Final expense insurance is generally a smaller life insurance policy intended to help with funeral and other end-of-life expenses. The available policy types and terms vary by provider.

What can the benefit be used for?

A death benefit is paid to the beneficiary under the policy terms. The beneficiary can generally use it for funeral costs, bills, debts, or other needs.

Is a medical exam required?

Some plans do not require a medical exam. Eligibility may still depend on age, health questions, and other underwriting requirements. Ask an agent which options apply to you.

Will my premium change?

Many whole-life final expense policies have level premiums after issue. Review the specific policy, payment requirements, and any limitations with the provider.

When does coverage start?

Timing varies by carrier and policy. Ask about the effective date, any waiting period, and any graded or limited benefits.

Does this website approve coverage?

No. This website connects consumer inquiries with insurance professionals. The insurer makes coverage and underwriting decisions. Calling does not guarantee approval.

What should I compare?

• The benefit amount and the people you want it to help.
• The premium, payment schedule, fees, and what happens if payments stop.
• The coverage start date, exclusions, and any waiting or graded-benefit period.
• The insurer’s identity and the agent’s licensing information.

Ask the provider for the policy terms in writing. Do not rely on a headline alone when deciding whether a policy suits your needs.

Privacy Policy

Effective date: 2026-10-13

This Privacy Policy describes how familylifeclarity.com (“Site,” “Platform,” “we,” “our,” or “us”)—owned and operated by Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC—collects, uses, shares, and protects your personal information.

Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC operates familylifeclarity.com as a consumer lead-generation platform that connects individuals with licensed insurance professionals and service providers.

By using our Site or submitting information through our forms or phone lines, you consent to the practices described in this Privacy Policy.

1. Who We Are

familylifeclarity.com is a marketing and lead-generation website operated by Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC.

We are not an insurance company, carrier, or agency. We do not underwrite insurance products or make coverage decisions.

Our role is to collect consumer inquiries and share them with licensed third-party insurance agents, brokers, agencies, or marketplaces who may contact you regarding insurance products.

2. Information We Collect

This site uses call buttons rather than a contact-submission form. On pages with introductory questions, answers stay in page memory and are not submitted by the quiz. Information you provide during a call is handled under the relevant provider disclosures.

We may collect the following categories of information:

Information You Provide

• Name
• Phone number
• Email address
• Zip code or state
• Age or date of birth (when relevant)
• Veteran or military status (if voluntarily provided)
• Other information submitted through forms or calls

Automatically Collected Information

When you visit our site, we may collect:

• IP address
• Device type
• Browser type
• Pages visited
• Referring URLs
• Date and time of visits
• Cookies and tracking technologies

Call & Form Data

Calls to or from our platform may be recorded for quality assurance, compliance, or marketing purposes.

3. How We Use Your Information

We use your information to:

• Match you with licensed insurance providers
• Deliver your inquiry to third-party partners
• Respond to requests
• Improve our website and services
• Conduct analytics and marketing optimization
• Maintain security and fraud prevention
• Comply with legal requirements

4. How We Share Your Information

We may share your information with:

• Licensed insurance agents, brokers, or agencies
• Insurance marketplaces
• Marketing partners
• Technology vendors that help operate the platform
• Regulators or law enforcement when required

We do not sell insurance products ourselves.

5. Consent to Be Contacted

Clicking Call Now requests an inbound connection to an insurance professional. Viewing this site or answering its introductory questions is not consent to future automated calls, prerecorded calls, text messages, or emails. Any separate permission for marketing contact must be requested through an appropriate, separate disclosure or consent process.

6. Cookies & Tracking Technologies

Call-routing and attribution providers may use cookies, local storage, URL parameters, and similar tools to prepare and attribute calls, maintain a number reservation, and prevent fraud. You can control storage through your browser settings, although doing so may affect call preparation or attribution. If additional advertising or analytics tools are introduced, the applicable disclosures and consent choices must be provided.

7. Data Retention

We retain information for as long as necessary to:

• Fulfill business purposes
• Meet contractual obligations
• Comply with legal requirements
• Resolve disputes
• Enforce agreements

8. Your California Privacy Rights (CCPA/CPRA)

If you are a California resident, you may have the right to:

• Know what personal data we collect
• Request deletion of your information
• Correct inaccurate data
• Opt out of certain data sharing
• Limit use of sensitive personal information
• Not be discriminated against for exercising rights

To submit a request, contact us using the information below.

We may verify your identity before processing requests.

9. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information.

However, no system can be guaranteed to be 100% secure.

10. Third-Party Websites

Our Site may link to third-party sites.

We are not responsible for their privacy practices or content. Their policies govern any data you provide to them.

11. Children’s Privacy

Our services are not intended for individuals under 18 years old.

We do not knowingly collect data from minors.

12. Changes to This Policy

We may update this Privacy Policy periodically.

Updates become effective when posted with a revised Effective Date.

13. Contact Information

For privacy questions or requests, contact Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC at privacy@familylifeclarity.com.

3131 Camino Del Rio North, Suite 1680
San Diego, CA 92108

Terms of Service

Effective date: 2026-10-13

These Terms of Service (“Terms”) govern your use of familylifeclarity.com (the “Site” or “Platform”), which is owned and operated by Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC (“Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC,” “Company,” “we,” “our,” or “us”).

By accessing or using this Site, submitting information, or interacting with our services, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. About Our Services

familylifeclarity.com is a consumer marketing and lead-generation platform operated by Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC.

We are not an insurance company, carrier, or agency. We do not underwrite insurance policies, quote premiums, or make eligibility determinations.

Our role is to collect consumer inquiries and connect users with licensed third-party insurance agents, brokers, agencies, or marketplaces who may offer insurance products or services.

All insurance products and services are provided solely by third-party providers and are subject to their own terms, underwriting rules, and availability in your state.

2. Eligibility

You must be at least 18 years old to use this Site.

By submitting information, you represent and warrant that:

• You are legally able to enter into these Terms
• The information you provide is truthful and accurate
• You are submitting your own contact details

3. Consent to Contact

Clicking Call Now requests an inbound call connection. Using this site or answering its introductory questions does not itself provide consent to future automated marketing calls, prerecorded messages, SMS, or emails. Any additional marketing permission must be obtained through a separate process where required.

4. Acceptable Use

You agree to use the Site only for lawful purposes.

You may not:

• Provide false or misleading information
• Attempt to interfere with Site security or operations
• Copy, scrape, harvest, or misuse Site data
• Upload malicious code
• Circumvent safeguards or tracking systems

We may suspend or restrict access for violations.

5. No Guarantee of Quotes or Coverage

Submitting your information does not guarantee:

• That you will be contacted
• That you will receive quotes
• That coverage will be offered
• That you will qualify for any product

Coverage decisions, pricing, and availability are controlled exclusively by licensed insurance providers.

6. Intellectual Property

All Site content—including text, graphics, logos, layout, design, and software—is owned by or licensed to Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC and protected by intellectual-property laws.

You may not reproduce, distribute, modify, or exploit any portion without written permission.

7. Third-Party Links and Services

The Site may include links to third-party websites.

We do not control or endorse those sites and are not responsible for their content, policies, or privacy practices.

Use third-party services at your own risk.

8. Privacy

Your use of the Site is governed by our Privacy Policy, which explains how we collect, use, and share personal information.

By using the Site, you consent to those practices.

9. Disclaimer of Warranties

The Site and services are provided on an “as-is” and “as-available” basis.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Availability or accuracy

We do not guarantee uninterrupted or error-free service.

10. Limitation of Liability

To the fullest extent allowed by law:

Neither Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC, familylifeclarity.com, nor their affiliates, officers, employees, or partners shall be liable for indirect, incidental, consequential, special, or punitive damages.

Our maximum total liability for any claim related to your use of the Site shall not exceed $100.

11. Indemnification

You agree to indemnify, defend, and hold harmless Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC, familylifeclarity.com, and their affiliates, employees, agents, and partners from any claims, losses, damages, liabilities, or expenses (including attorneys’ fees) arising from:

• Your use of the Site
• Your violation of these Terms
• Your submission of inaccurate information
• Your violation of third-party rights

12. Governing Law & Venue

These Terms are governed by the laws of the State of California and applicable federal law.

Any dispute must be brought exclusively in the state or federal courts located in San Diego County, California.

You waive any right to participate in class actions or jury trials relating to disputes with us, to the extent permitted by law.

13. Changes to These Terms

We may modify these Terms at any time.

Updates will be posted with a new Effective Date.

Continued use of the Site after changes constitutes acceptance.

14. Contact Information

For questions regarding these Terms, contact Spektra Insurance Solutions, a DBA of Twenty Four Hour, LLC, operating familylifeclarity.com.

contact@familylifeclarity.com

3131 Camino Del Rio North, Suite 1680
San Diego, CA 92108