Terms. A call is billable when it remains connected for at least 90 seconds after a licensed agent answers, the caller is asking about final expense or related coverage, the caller is in an approved state and within the target age range, and the caller is not an agent, vendor, or job seeker. Every call is recorded for QA. Valid disputes raised within 7 days are credited back to the funded balance. Calls are delivered only against an available balance, and delivery pauses if the balance is exhausted. This order is governed by the Master Terms and Conditions executed between the parties.