Terms of Service

Effective date: October 26, 2026

Welcome. This website is operated by Kinship Coverage, a network of independent licensed life insurance agents operated by LB Holding Company, LLC. By accessing or using this website, you agree to these Terms of Service.

SMS use cases

Kinship Coverage may send SMS messages to individuals who have opted in through this website or our forms. These messages may include appointment confirmations, service updates, reminders, customer support communications, and follow-ups. Marketing messages will only be sent to users who have separately opted in.

Opting out

You may opt out of SMS communications at any time by replying STOP to any message. After opting out, you will receive a confirmation message and no further messages will be sent unless you opt in again.

Customer support

For assistance, reply HELP to any message or contact us at logan@breakthroughfinancial.io or (208) 954-1233.

Message and data rates

Message and data rates may apply depending on your mobile carrier. Message frequency varies based on user interaction.

Carrier liability

Carriers are not liable for delayed or undelivered messages.

Age restriction (18+)

You must be at least 18 years old to use our services.

Privacy Policy

Your use of our services is also governed by our Privacy Policy.

General terms

You agree to use our services only for lawful purposes and not to misuse or interfere with our systems. We reserve the right to modify or terminate services at any time without notice. Insurance coverage, pricing and benefits vary by carrier, state, age and health, and are subject to underwriting.

Contact information

Kinship Coverage, LB Holding Company, LLC
Email: logan@breakthroughfinancial.io
Phone: (208) 954-1233
Website: https://kinshipcoverage.com