By accessing or using this website, you agree to be bound by the following Terms of Service. If you do not agree with these terms, please do not use this website.

1. Purpose of This Website

This website is provided for informational and educational purposes related to health insurance, life insurance, and related financial products. Information on this site is not intended as legal, tax, or medical advice and should not be relied upon as such.

2. No Guarantee of Coverage or Rates

Insurance products, coverage options, availability, and rates vary by carrier, state, age, health status, and other underwriting factors. Submission of information through this website does not guarantee eligibility, approval, or enrollment in any insurance product.

3. Consultations and Communications

By submitting your information through this website, you authorize us to contact you by phone call, text message, email, or other electronic means regarding your inquiry or related services. Message and data rates may apply. You may opt out of communications at any time by replying STOP to text messages or by requesting removal via email.

4. Third-Party Services

This website may integrate third-party tools, scheduling software, communication platforms, or insurance carriers. We are not responsible for the content, availability, or performance of third-party services.

5. Accuracy of Information

While we strive to keep all information accurate and up to date, laws, regulations, and insurance offerings change frequently. We make no warranties regarding the completeness, accuracy, or reliability of information on this site.

6. Intellectual Property

All content on this website, including text, logos, graphics, and branding, is the property of the site owner unless otherwise stated. You may not reproduce, distribute, or use this content without written permission.

7. Limitation of Liability

We are not liable for any direct, indirect, incidental, or consequential damages arising from the use of this website or reliance on information provided herein.

8. Privacy

Your use of this website is also governed by our Privacy Policy. Information submitted through this site is handled in accordance with applicable privacy laws and regulations.

9. Modifications

We reserve the right to update or modify these Terms of Service at any time without prior notice. Continued use of the website constitutes acceptance of any changes.

10. Governing Law

These Terms of Service are governed by the laws of the state in which the business operates, without regard to conflict of law principles.