Disclaimer

Business Entity: Insurance Guidance operates as a licensed insurance agency providing insurance consultation and brokerage services.

Licensed Insurance Agent Information:

• Primary License: Florida Insurance Agent License #G121691

• Additional State Licenses: Texas, South Carolina, Virginia, West Virginia, Ohio, Missouri, Maryland, Tennessee, Delaware, and Georgia

• License Verification: All licenses can be verified through respective state insurance department websites

• National Producer Number (NPN): 21172731

Insurance Guidance provides insurance consultation and brokerage services. We represent multiple insurance carriers and help consumers evaluate insurance options through our Guardian Guidance approach consultation process.

Services Include:

• Insurance needs analysis and consultation

• Comparison of available insurance products from multiple carriers

• Application assistance and enrollment support

• Ongoing customer service and claims support

Services Do Not Include:

• Legal advice regarding insurance matters

• Tax advice or financial planning services

• Guaranteed coverage or rate promises

• Investment advice or securities recommendations

Insurance Guidance maintains appointments with multiple insurance carriers including but not limited to:

Health Insurance Carriers: United Healthcare, Anthem Blue Cross Blue Shield, Cigna, and others

Life Insurance Carriers: Mutual of Omaha, Americo, and others

Important Disclosures:

• We are compensated by insurance carriers through commissions when policies are purchased

• Compensation does not affect our recommendation process

• We are not captive agents and represent multiple carriers

• Not all carriers are available in all states

• Product availability varies by state and individual circumstances

Coverage Not Guaranteed: Submission of an application does not guarantee coverage. All insurance applications are subject to carrier underwriting guidelines and approval processes.

Rates Subject to Change: Insurance rates and premiums quoted are estimates and subject to change based on underwriting, carrier filing updates, and individual circumstances.

Information Accuracy: While we strive to provide accurate information, insurance products, rates, and regulations change frequently. All information should be verified with the insurance carrier.

No Medical or Legal Advice: Our services do not constitute medical, legal, or financial advice. Consult appropriate professionals for such guidance.

Insurance Guidance operates in compliance with all applicable state insurance regulations in the states where we are licensed. Different states may have varying regulations regarding:

• Insurance product availability

• Rate and form requirements

• Consumer protection measures

• Disclosure requirements

Consumer Rights: Consumers have the right to:

• Verify our license status with state insurance departments

• File complaints with state insurance regulators

• Review policy documents before purchase

• Cancel policies within free-look periods as provided by state law

Service Limitations: Insurance Guidance's liability is limited to the services we directly provide. We are not responsible for:

• Insurance carrier decisions regarding coverage or claims

• Changes in insurance laws or regulations

• Third-party website functionality or data security

• Scheduling platform (Calendly) technical issues

• Market changes affecting insurance availability or pricing

Damages Limitation: In no event shall Insurance Guidance be liable for any indirect, consequential, special, or punitive damages arising from use of our services.

Trademarks: "Guardian Guidance Approach" and related marks are proprietary to Insurance Guidance.

Website Content: All website content, including text, graphics, logos, and images, is the property of Insurance Guidance and protected by applicable copyright laws.

Governing Law: This disclaimer and all related matters shall be governed by Florida law.

Jurisdiction: Any disputes arising from our services shall be resolved in the courts of Pinellas County, Florida.

Alternative Dispute Resolution: We encourage resolution of disputes through state insurance department complaint processes before pursuing legal action.

Insurance Guidance reserves the right to modify this disclaimer at any time. Material changes will be posted on our website with updated effective dates.

Insurance Guidance
855 Central Avenue
Saint Petersburg, FL 33701
📞 Phone: 727-618-9833
📧 Email: info@insuranceguidance.org
🌐 Website: insuranceguidance.org