Last Updated: 19th November 2025
Welcome to X Financial Group. By accessing or using our website, services, or communicating with us, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully.
1. Services
X Financial Group provides life insurance sales, financial protection products, and related advisory services. All product details, quotes, and recommendations are based on the information you provide and are subject to eligibility, underwriting, and carrier approval.
2. Quotes and Estimates
Any insurance quotes, policy illustrations, or coverage estimates provided by X Financial Group are for informational purposes only and may change based on underwriting results, medical evaluations, financial verification, or carrier guidelines.
A formal application and approval from the insurance carrier are required before coverage becomes active.
3. Payment Terms
Payments for insurance policies are processed directly through the issuing insurance carrier unless otherwise stated. Failure to make premium payments may result in policy cancellation, depending on carrier rules and grace periods.
4. Client Responsibilities
Clients are responsible for:
A. Providing accurate personal, financial, and medical information.
B. Completing all required forms honestly and promptly.
C. Reviewing policy documents and ensuring all information is correct.
D. Keeping contact and payment information up to date.
5. Liability
X Financial Group operates professionally and in compliance with industry standards. However, we are not liable for:
A. Decisions made by insurance carriers regarding approvals or denials.
B. Changes in carrier guidelines, pricing, or underwriting criteria.
C. Delays caused by third-party providers, medical examiners, or insurance carriers.
D. Outcomes resulting from inaccurate or incomplete information provided by the client.
6. Intellectual Property
All content on www.xfgmiami.com, including text, graphics, branding, and digital materials, is the property of X Financial Group.
Unauthorized use, reproduction, or distribution of any content is prohibited.
7. Privacy
Personal information is collected and used in accordance with our Privacy Policy. This includes information required for communication, policy processing, underwriting, and service delivery. We do not sell or share personal information outside what is necessary for insurance processing.
8. Changes to Terms
X Financial Group reserves the right to modify or update these Terms and Conditions at any time without prior notice. Continued use of our website or services constitutes acceptance of the updated terms.
9. Governing Law
These Terms and Conditions are governed by the laws of the State of Florida, USA. Any disputes will be subject to the jurisdiction of the courts located in Florida.
Contact Us
For any questions regarding these Terms and Conditions, please contact:
