Last updated: March 27, 2026
Welcome to FFL Financial, operated by Jack Yiu ("we," "us," or "our"). By accessing or using our website at fflfinancial.com, booking a consultation, or communicating with us via phone, email, or SMS, you agree to be bound by these Terms of Service.
FFL Financial is a licensed insurance and financial services agency. We offer life insurance, IUL (Indexed Universal Life), annuity products, and agent recruiting services through Family First Life (FFL). Our services are available to residents of states where we are licensed to conduct business.
Nothing on this website constitutes a guarantee of insurance coverage, investment returns, or financial outcomes. All insurance and annuity products are subject to carrier underwriting, eligibility requirements, and applicable state regulations. Past performance of any financial product does not guarantee future results.
By submitting your contact information through any form, booking calendar, or landing page on our website, you consent to be contacted by FFL Financial via phone, email, and SMS text message. You understand that:
When you opt in to receive SMS messages from us:
Scheduling a consultation through our booking system does not constitute a binding contract or guarantee of any insurance coverage or financial product. Consultations are informational in nature and are subject to availability. We reserve the right to reschedule or cancel appointments with reasonable notice.
Information submitted through our agent recruiting form is used solely for the purpose of evaluating your interest in joining our team. Submission of this form does not constitute an offer of employment or a guaranteed position. All recruiting inquiries are subject to licensing requirements and availability.
The content on this website is provided for informational purposes only. We make no representations or warranties regarding the accuracy, completeness, or suitability of any information on this site. Content is subject to change without notice.
All content on this website, including text, graphics, logos, and images, is the property of FFL Financial / Jack Yiu and may not be reproduced, distributed, or used without express written permission.
To the fullest extent permitted by law, FFL Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, even if we have been advised of the possibility of such damages.
Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.
These Terms of Service shall be governed by and construed in accordance with applicable state and federal laws of the United States.
We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Continued use of our website or services after any changes constitutes your acceptance of the updated terms.
If you have questions about these Terms of Service, please contact us:
FFL Financial — Jack Yiu
Email: jack@fflfinancial.com
Website: fflfinancial.com