Morgan Branch the Broker

Service Terms

Last updated: October 3, 2026. Applies to the paid consultations offered by Morgan Branch the Broker.

1. The conversations you can book

Morgan Branch the Broker offers the following consultations:

Purchase Consultation. A voluntary appointment to discuss the insurance quote you requested. Morgan explains the quoted coverage, policy terms, and questions you raise in Morgan's capacity as a licensed life insurance producer, where applicable. If you decide to move forward, this appointment may also include completing and submitting an insurance application using the applicable insurer's forms and required disclosures. There is no separate charge for this conversation; it is part of the quote process.

Purchase Consultation + Financial Floor. Everything in the Purchase Consultation above, plus the Financial Floor money-clarity add-on: a private review of one completed month from the financial records you choose to share. Morgan prepares a plain-English view of actual income, expenses, and what remained after the month. The Financial Floor is a one-time $67.00 USD service you choose to add; the insurance portion of the conversation is unchanged.

Coverage Review. A one-time $27.00 USD consultation in which Morgan reviews your existing insurance coverage with you — what you currently have, how it works, and the questions you have about it — so you can understand your current protection. This is a standalone paid consultation, separate from the Purchase Consultation and the Financial Floor add-on. It is educational and is not financial, tax, or legal advice, and it is not an insurance application, approval, or guarantee of coverage.

2. What the Financial Floor is and is not

The Financial Floor is an optional money-clarity add-on to the Purchase Consultation. It does not determine whether a quote, premium, policy, coverage amount, or insurance option is right for you. It is not a financial plan and does not provide investment, tax, legal, credit, debt, or accounting advice.

Completing or submitting an insurance application does not guarantee coverage, eligibility, price, approval, or any other outcome. Any application is subject to the insurer's underwriting, policy terms, availability, and applicable law. Nothing in either conversation obligates you to apply for or purchase a product.

3. Payment

The Financial Floor add-on is a one-time charge of $67.00 USD. Payment is collected through our third-party, PCI-compliant payment provider on its secure hosted page. We do not receive or store your full card number. Payment reserves one scheduled Financial Floor conversation; scheduling becomes available once payment is confirmed.

The Coverage Review is a one-time $27.00 USD fee, arranged directly with Morgan; it is not collected through the online Financial Floor checkout.

Neither the $67 Financial Floor payment nor the $27 Coverage Review fee is a charge for a quote, insurance application, or insurance policy, and neither is required to request a quote, apply for insurance, or purchase insurance.

4. Scheduling and rescheduling

After your payment is confirmed, you may book your Financial Floor conversation at any available time. Your scheduling confirmation email includes a secure Reschedule link, unique to your appointment: you can use it any time before your scheduled start to move the conversation to another available time, as often as you need, at no extra charge. Rescheduling keeps your existing payment — you are not charged again. If you can't find a time that works, or you need help, email info@morganbranch.co.

5. Secure document requests

If Morgan needs documents to support your service, you will receive a generic secure email with a link to a private document page. You verify your email with a one-time code, then provide only the specific items Morgan requested there. Please provide requested documents only through this secure page — never by email or text message.

For insurance application support, the requested items may include a government-issued photo ID, a Social Security card, payment-account proof, and other carrier-required supporting documents. Uploads are scanned and kept in a separate, access-restricted private store; Morgan retrieves them only through a deliberate, short-lived, access-controlled download, and they are not used for the Financial Floor. The Coverage Review and the Financial Floor never request or accept a Social Security number or Social Security card.

Providing application-support documents helps Morgan assist with an insurance application. It does not guarantee coverage, eligibility, pricing, approval, or issuance — those are determined solely by the insurer through its underwriting and application process.

6. Refunds

Refunds are governed by our Refund Policy.

7. Your information

Information you share is handled as described in our Privacy Policy. You are responsible for any documents or figures you choose to share and for ensuring you have the right to share them.

8. No guarantees; limitation of liability

We will provide the Financial Floor service as described in these terms. We do not guarantee a particular financial, insurance, or other outcome from the conversation. To the fullest extent permitted by law, Morgan Branch the Broker is not liable for any decision you make based on the conversation. (Final limitation-of-liability and governing-law language to be set by counsel.)

9. Contact

Questions about these terms: email Morgan at info@morganbranch.co.

Morgan Branch the Broker · See also our Refund Policy and Privacy Policy.