Terms and Conditions

Effective date: October 6, 2026

These terms apply to the Heritage Family Coverage website and to our calls and text messages. Heritage Family Coverage is a trade name of Manx Management LLC.

What we do. We help people compare and apply for life insurance offered by insurance carriers. Insurance is offered through Ronan Peter Christian, licensed insurance agent, NPN 22182637. Information on this site is general and is not an offer of coverage. Coverage, rates and eligibility are set by the carrier and depend on your state, age and answers to health questions. Not all applicants qualify.

No government affiliation. We are not affiliated with or endorsed by any government agency or program.

Text messaging terms.

• Program: Heritage Family Coverage sends text messages to people who requested information, about their request, appointment times and final expense life insurance options.
• Opting in: you opt in by checking the consent box on our website form or on our Facebook or Instagram lead form.
• Frequency: message frequency varies.
• Cost: message and data rates may apply.
• Opting out: reply STOP to any message. You will get one confirmation and no further texts.
• Help: reply HELP, call (855) 597-7361 or email [email protected].
• Carriers are not liable for delayed or undelivered messages.
• Consent to receive texts is not a condition of buying any product.
• See our Privacy Policy for how we handle your information.

Use of this site. Do not misuse the site or submit information that is false or belongs to someone else.

Limits. The site is provided as is. To the extent the law allows, we are not liable for indirect or incidental damages arising from use of the site.

Governing law. These terms are governed by the laws of the Commonwealth of Virginia.

Contact. Heritage Family Coverage, 1696 Fowler St, Charlottesville, VA. Phone: (855) 597-7361. Email: [email protected].