TERMS AND CONDITIONS
TERMS AND CONDITIONS
Last updated: Mar 8, 2026
1. Description of Services
Fenix Protection Group LLC (owner of the domain www.fenixprotection.biz) provides insurance and financial services, including:
Life Insurance Services:
Guidance and assistance in obtaining life insurance policies, including term life, IUL (Indexed Universal Life), final expense, and other protection products.
Financial Protection Consulting:
Personalized consultations to help individuals and families protect their income, assets, and financial future.
Strategic Guidance:
Education and support in understanding financial protection options and making informed decisions.
All services are provided digitally and may be offered to clients within the United States.
2. Service Delivery
Consultations:
✔ Scheduled via Zoom or Google Meet
✔ Access details are sent via email or WhatsApp prior to the session
Insurance Services:
✔ Policy approval is subject to underwriting by third-party insurance carriers
✔ Fenix Protection Group LLC does not guarantee approval or specific rates
✔ Final terms depend on age, health, and carrier evaluation
Support:
For assistance, contact:
📧 [email protected]
3. Cancellation & Rescheduling Policy
✔ Rescheduling allowed with at least 24 hours notice
❌ Less than 24 hours → non-refundable
If you arrive late, the session will continue with the remaining scheduled time.
4. Refund Policy
✔ No refunds are provided for consultations once scheduled
✔ No refunds are provided after services have been delivered
✔ Insurance products are subject to carrier policies, not Fenix Protection Group LLC
5. Currency & Payment Methods
All prices are listed in USD (U.S. Dollars)
Accepted methods:
✔ Credit/Debit Cards (Visa, Mastercard)
✔ Stripe
6. Client Responsibilities
By using our services, you agree that:
— You provide accurate and truthful information
— You understand that recommendations are based on your provided data
— You are responsible for your financial decisions
7. Limitation of Liability
Fenix Protection Group LLC and its representatives, including Ramon Muñoz, are not responsible for:
— Insurance approval outcomes
— Policy terms determined by carriers
— Financial decisions made by the client
8. Customer Support
📧 Email: [email protected]
📞 Phone (U.S.): +1 786-916-7453
📞 WhatsApp (U.S.): +1 678-496-2953
🕒 Business Hours: Monday – Friday, 9:00 AM – 5:00 PM (EST)
⏳ Response Time: Up to 72 business hours
9. Modifications
Fenix Protection Group LLC reserves the right to update this policy at any time without prior notice.
Changes may be communicated via:
✔ Website: www.fenixprotection.biz
✔ Official communication channels
Protección personalizada para cada familia y situación financiera
Contacto
Main Office
5425 Peachtree parkway
Peachtree Corners GA 30092
[email protected]
WhatsApp: +1 786-916-7453
Teléfono: +1 678-496-2953
Fenix Protection Group LLC
Todos los derechos reservados. 2026
Política de Privacidad de Datos.
Términos y Condiciones
Cookies
Contacto
Main Office
5425 Peachtree parkway
Peachtree Corners GA 30092
[email protected]
Teléfono: +1 786-916-7453
Fenix Protection Group LLC
Todos los derechos reservados. 2026
Política de Privacidad de Datos.
Términos y Condiciones
Siguenos