These terms apply to your use of the Phantastic Solutions website. By using the site, you agree to them. If you don't agree, please don't use the site.
Information, not advice
The articles, tools, and examples on this site are general information to help you understand life insurance and mortgage protection. They are not insurance, legal, tax, or financial advice for your situation. Talk with a licensed agent, and a tax or legal professional where needed, before making decisions.
Quotes, estimates, and coverage
Nothing on this site is an offer or a contract of insurance. Example premiums, figures, and coverage amounts are illustrations only. The coverage calculator gives a rough starting estimate based on the numbers you enter; it is not a quote or a recommendation.
Insurance is issued by insurance carriers, not by Phantastic Solutions. Every policy is subject to the carrier's underwriting, approval, and policy terms, and your actual price depends on factors such as your age, health, coverage amount, and lifestyle. We cannot guarantee that you will be approved or that you will get a particular rate. Coverage begins only when a carrier approves your application and the policy is in force.
Our role
Phantastic Solutions is an insurance brokerage. We compare options from the carriers we are appointed with and help you apply. We are generally paid by the insurance carriers through commissions on the policies we place. Products and carriers are offered only in states where we are licensed, and availability varies by state.
Photos and videos
The photos and videos on this site are illustrative. They include licensed stock photography and AI-generated imagery. Unless a page says otherwise, the people shown are not our clients.
Career opportunities
Agent positions described on this site are independent contractor (1099) roles. Income depends on the business you write and is not guaranteed. Licensing requirements vary by state.
Agent portal
The agent portal and its tools are for authorized Phantastic Solutions agents only. Its materials are confidential and may not be shared outside the team.
Links to other websites
The site links to insurance carrier websites and other services that we don't control. We are not responsible for their content or their practices.
Use of the site
Please don't misuse the site: no attempts to break or overload it, no submitting false information or someone else's information without permission, and no copying its content, design, or images for your own use without our written permission. The Phantastic Solutions name and logo are ours.
No warranties
We work to keep the site accurate and available, but it is provided "as is." We don't promise that it will always be available, error free, or up to date.
Limitation of liability
To the extent the law allows, Phantastic Solutions is not liable for losses that come from using this site or relying on its general information. This does not limit any rights you have under an insurance policy or under laws that cannot be waived.
Changes to these terms
We may update these terms. The new version takes effect when we post it here with a new date.
Contact us
Phantastic Solutions
Phone: 703-621-8006
Email: info@phantasticsolutions.net
Hours: Monday to Saturday, 8am to 8pm PST