Terms of Service

Acceptance of These Terms

By accessing or using this website, requesting an insurance quote, completing an online form, or communicating with Martin & Associates Insurance Services, Inc., you agree to be bound by these Terms of Service. If you do not agree with these terms, please discontinue use of this website and our online services.

Insurance Services

Martin & Associates Insurance Services, Inc. is an independent insurance agency licensed to market insurance products in states where properly licensed. We provide educational information, insurance quotes, policy comparisons, application assistance, and customer service for Medicare-related insurance products, supplemental insurance, cancer insurance, critical illness insurance, and other insurance products offered through our carrier partners.

Quote Estimates

Insurance quotes generated through this website are estimates based on the information you provide and current insurance carrier rate tables. Quotes are not guarantees of eligibility or coverage.

Final eligibility, underwriting decisions, premium amounts, policy availability, and effective dates are determined solely by the issuing insurance company during the application process.

Health Information

The health qualification questions presented on this website are intended solely as a preliminary eligibility screening. Your responses do not constitute approval or denial of coverage. Additional underwriting requirements or medical questions may be required by the insurance carrier.

Waiting Periods

Certain insurance products, including cancer insurance policies, may include waiting periods before benefits become payable. Waiting periods, exclusions, limitations, and policy provisions vary by carrier and product. Please carefully review your policy documents upon issuance.

No Professional or Legal Advice

Information provided on this website is for general educational purposes only and should not be considered legal, tax, investment, or medical advice. Customers should consult their own professional advisors regarding their individual circumstances.

Limitation of Liability

Martin & Associates Insurance Services, Inc. makes reasonable efforts to maintain accurate information on this website; however, we do not guarantee the completeness, accuracy, or timeliness of all information presented.

Our liability is limited to the insurance agency services we provide. We are not responsible for underwriting decisions, claim determinations, policy provisions, benefit payments, or other actions taken by insurance companies or third-party providers.

Website Availability

We strive to maintain uninterrupted access to this website but cannot guarantee continuous availability. We reserve the right to modify, suspend, or discontinue any portion of the website or services without prior notice.

Intellectual Property

All content on this website, including text, graphics, logos, calculators, quote tools, and other materials, is the property of Martin & Associates Insurance Services, Inc. unless otherwise noted. Unauthorized reproduction or distribution is prohibited without prior written consent.

Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Updated versions will be posted on this page with the revised effective date. Continued use of this website constitutes acceptance of any revised terms.

Contact Information