Terms and Conditions

Effective Date: January 1, 2026  |  Last Updated: April 2026  |  Applies To: kraigstrom.com · SMS Communications · All Services

These Terms and Conditions (“Terms”) govern your use of the website kraigstrom.com and all communications, services, and interactions provided by Kraig Strom, CFP®, ChFC® (“we,” “our,” or “us”), a Licensed Insurance Professional serving Terrebonne Parish and South Louisiana.

By accessing this website, submitting a contact form, scheduling a consultation, or providing your phone number to receive SMS communications, you agree to these Terms. Please read them carefully.

These SMS Messaging Terms govern all text message communications sent by Kraig Strom, CFP®, ChFC® to users who have provided express written consent to receive SMS messages.

Program Name: Kraig Strom Insurance & Financial Protection Services

Sender: Kraig Strom, CFP®, ChFC® — Licensed Insurance Professional

Purpose: To communicate with individuals who have requested information about life insurance, disability insurance, long-term care insurance, and private banking strategies, and to send appointment reminders, follow-ups, and relevant educational content related to financial protection services.

Message Types Include:

• Responses to insurance or financial protection inquiries submitted via kraigstrom.com
• Appointment confirmations and reminders
• Follow-up communications related to consultation requests
• Educational content about life insurance, disability insurance, long-term care insurance, and private banking
• Service updates and relevant notifications

Message Frequency: Message frequency varies based on your inquiry and interaction. You may receive up to 5 messages per month on average, though this may vary.

Message and Data Rates: Standard message and data rates may apply depending on your mobile carrier and plan.

We only send SMS messages to individuals who have provided express written consent. Consent is obtained through the following methods:

When you submit a contact form, inquiry form, or question form on kraigstrom.com and provide your phone number, you will see a clearly labeled SMS consent checkbox with the following disclosure:

SMS Opt-In Language: “By providing your phone number, you agree to receive SMS messages from Kraig Strom, CFP®, ChFC® regarding insurance and financial protection services. Message frequency varies. Reply STOP to opt out at any time. Message & data rates may apply. Your mobile information will never be shared or sold to third parties or affiliates for marketing or promotional purposes at any time.”

• The SMS consent checkbox is never pre-checked. You must actively check the box to provide consent.
• Consent to receive SMS messages is never required as a condition of purchasing any insurance product or receiving any service.
• You may submit a contact form and receive a response via email or phone call without opting in to SMS communications.
• Consent is specific to communications from Kraig Strom, CFP®, ChFC® and is not transferred to any third party.

By providing consent to receive SMS communications, you confirm that you are 18 years of age or older. We do not knowingly collect information from or send SMS messages to individuals under the age of 18.

You may opt out of SMS communications at any time using any of the following methods:

Text STOP to any SMS message you receive from us. You will receive a single confirmation message confirming your opt-out. No further messages will be sent.

Text HELP to any SMS message to receive help and contact information.

Contact us directly by email at [EMAIL_ADDRESS] or by phone at [PHONE_NUMBER] to request removal from our SMS list.

Keywords: STOP — Unsubscribe  |  HELP — Get Help  |  START — Re-subscribe

After opting out by texting STOP, you may re-subscribe at any time by texting START to the same number, or by submitting a new contact form on kraigstrom.com and providing fresh consent.

Upon receiving a STOP message, we will send one final confirmation text: “You have been unsubscribed from Kraig Strom SMS communications. No further messages will be sent. Reply START to re-subscribe.”

Opt-out requests are processed immediately upon receipt. You should not receive any further SMS messages after sending STOP, except for the single opt-out confirmation message.

Message frequency varies depending on your level of engagement and inquiry. Typical messaging scenarios include:

• Initial inquiry response: 1–2 messages following a contact form submission
• Appointment reminders: 1–2 messages per scheduled consultation
• Follow-up communications: As needed following a consultation, up to 3 messages per follow-up cycle
• Educational content: Periodic messages about insurance and financial protection topics, no more than 2–4 per month

You will never receive unsolicited promotional SMS messages. All messages are directly related to your inquiry or to insurance and financial protection services you have expressed interest in.

No Mobile Data Sharing: Your mobile phone number and SMS opt-in information will never be shared with, sold to, or transferred to any third party or affiliate for marketing or promotional purposes at any time. This is an absolute policy with no exceptions for SMS data.

More broadly, we handle your personal information as follows:

• Personal information is used solely to respond to your inquiries and provide requested insurance consultation services.
• Information may be shared with insurance carriers only upon your express request and with your direct consent when evaluating or applying for an insurance product.
• Information may be shared with service providers who assist in operating this website and communications, subject to confidentiality agreements.
• Information may be disclosed when required by law, court order, or regulatory requirement.

For complete details on how personal information is collected, used, stored, and protected, please review our Privacy Policy.

Kraig Strom, CFP®, ChFC® is a Licensed Insurance Professional in the State of Louisiana. Services offered include consultations and licensed recommendations related to:

• Life Insurance (term life, whole life, and permanent life insurance products)
• Disability Insurance (individual own-occupation disability income insurance)
• Long-Term Care Insurance (traditional and hybrid life/LTC policies)
• Private Banking strategies using whole life insurance as a financial vehicle

Kraig Strom does not provide securities advice, investment advice, or financial planning services regulated by FINRA, the SEC, or any securities regulatory body. All services are limited to licensed insurance products and strategies. The CFP® designation is used in the context of holistic financial protection planning involving insurance products only.

Insurance illustrations, case studies, and hypothetical scenarios presented on kraigstrom.com or in any communication are for educational purposes only. Individual results vary based on age, health, underwriting decisions, carrier performance, and other factors. Past dividend performance of mutual insurance companies does not guarantee future dividends.

All insurance recommendations and transactions are conducted in compliance with Louisiana Department of Insurance regulations. Kraig Strom holds a valid Louisiana insurance license. Coverage availability is subject to carrier underwriting approval and state availability.

By accessing kraigstrom.com, you agree to use the website for lawful purposes only and in a manner that does not infringe the rights of others.

All content on kraigstrom.com, including text, graphics, logos, images, and design elements, is the property of Kraig Strom or licensed for use. You may not reproduce, distribute, or create derivative works from any content on this site without express written permission.

We strive to keep information on kraigstrom.com current and accurate. However, insurance products, rates, availability, and regulations change frequently. Nothing on this website constitutes a binding offer or guarantee of coverage, pricing, or availability. Contact Kraig directly for current and accurate information specific to your situation.

This website contains links to third-party websites including social media platforms (Facebook, Instagram, LinkedIn, YouTube, and X/Twitter) and scheduling tools. We are not responsible for the content, privacy practices, or terms of those platforms. Use of third-party platforms is governed by their own terms of service.

We do not guarantee uninterrupted access to kraigstrom.com. The website may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.

Submitting a contact form, asking a question through the “Ask Kraig Anything” feature, or browsing kraigstrom.com does not create an attorney-client relationship, a fiduciary relationship, or any contractual obligation. A formal advisory relationship is established only through a signed engagement or insurance application process.

Content on kraigstrom.com is provided for general educational purposes about life insurance, disability insurance, long-term care insurance, and related topics. It does not constitute personalized insurance advice for your specific situation. Individual circumstances vary significantly. Always consult with a licensed professional before making insurance decisions.

Insurance products referenced on this website:

• Are not bank deposits or obligations
• Are not FDIC insured
• Are not insured by any federal government agency
• Carry no bank guarantee
• May lose value in variable or market-linked products (note: whole life insurance cash value is not market-linked)

To the fullest extent permitted by applicable law, Kraig Strom, CFP®, ChFC® shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of kraigstrom.com, any SMS communications, or any information provided through this website.

Our total liability for any claim arising out of or relating to these Terms or your use of our services shall not exceed the amount you have paid to us in the twelve (12) months preceding the claim, or $100, whichever is greater.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of the above limitations may not apply to you.

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Louisiana, without regard to its conflict of law provisions.

Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Terrebonne Parish, Louisiana.

These Terms comply with applicable federal regulations including the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and CTIA Messaging Principles and Best Practices.

We reserve the right to update or modify these Terms and Conditions at any time. When changes are made, we will update the “Last Updated” date at the top of this page.

Your continued use of kraigstrom.com or continued receipt of SMS communications following any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

If changes materially affect SMS messaging practices, we will notify active SMS subscribers by text message prior to the changes taking effect.

For questions about these Terms and Conditions, SMS messaging practices, opt-out requests, or any other matter, please contact:

Kraig Strom, CFP®, ChFC®

• Title: Licensed Insurance Professional
• Location: Serving Terrebonne Parish & South Louisiana
• Phone: 985-303-2219
• Email: kraig@kraigstrom.com
• Website: kraigstrom.com
• SMS Opt-Out: Text STOP to any message — or email us directly