Terms of Service & Medicare Disclosures

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Insure 365 Agency Inc.

Effective Date: [02/08/2026]

By accessing or using this website, www.insure365agency.com, you agree to the following Terms of Service and disclosures. If you do not agree, please do not use this website.

1. About Insure 365 Agency Inc.

Insure 365 Agency Inc. is a licensed insurance agency offering information and brokerage services related to:

• Health insurance
   
• Medicare Advantage, Medicare Supplement, and Prescription Drug Plans
   
• Life insurance, final expense insurance, and annuities

Insure 365 Agency Inc. is licensed to conduct insurance business in New York and New Jersey. Insurance products, benefits, rates, and availability vary by carrier and by state.

2. Informational Purposes Only-No Professional Advice

All information on this website is provided for general informational and educational purposes only.

• Nothing on this website constitutes medical, legal, tax, or financial advice
   
• Information should not replace advice from licensed professionals
   
• Coverage is not guaranteed until approved and issued by an insurance carrier
   

Viewing this website does not create an agent-client relationship.

3. No Guarantee of Coverage, Benefits, or Rates

Insurance products and benefits are subject to carrier underwriting and approval.

We do not guarantee:

• Acceptance or approval for any plan
   
• Specific premiums, benefits, or coverage levels
   
• Continued availability of any insurance product
   

All final decisions are made by the issuing insurance carrier.

4. Medicare Disclaimer (CMS Required Disclosure)

Insure 365 Agency Inc. is not connected with or endorsed by the United States government or the federal Medicare program.

• Medicare-related information on this website is general in nature
   
• Official Medicare information is available at www.medicare.gov or by calling 1-800-MEDICARE (1-800-633-4227)
   
• Medicare Advantage, Medicare Supplement, and Prescription Drug Plans vary by county and service area

Enrollment into a Medicare plan is completed only after:

• A compliant enrollment process
   
• A recorded call when required
   
• Carrier approval and confirmation
  

5. Medicare Sales & Enrollment Disclosures

• Plan availability depends on Medicare eligibility and service area
   
• Benefits, premiums, copays, and formularies may change annually
   
• Enrollment is subject to applicable Medicare enrollment periods
   

We do not represent every plan available in all areas.

6. Life Insurance, Final Expense & Annuity Disclosures

Life insurance, final expense, and annuity products are subject to:

• Carrier underwriting
   
• Health, financial, and suitability review
   
• State-specific regulations
   

Illustrations and projections are not guarantees. Policy values, premiums, and benefits may change based on policy terms and carrier performance.

7. Use of This Website

You agree to use this website for lawful purposes only.

You may not:

• Attempt to disrupt or misuse the website
   
• Submit false or misleading information
   
• Use the site to violate any applicable laws
   

We reserve the right to restrict or terminate access if misuse occurs.

8. Forms, Communications & No Obligation

Submitting information through this website:

• Does not obligate you to purchase insurance
   
• Does not guarantee eligibility or coverage
   
• Does not establish a client relationship
   

Response times are not guaranteed.

9. Third - Party Links

This website may contain links to third-party websites, including insurance carriers or government resources.

We do not control or endorse third-party websites and are not responsible for their content or privacy practices.

10. Limitation of Liability

To the fullest extent permitted by law, Insure 365 Agency Inc. is not liable for:

• Errors or omissions in website content
   
• Reliance on information provided
   
• Temporary website unavailability
   
• Indirect or consequential damages
   

Use of this website is at your own risk.

11. Intellectual Property

All website content, including text, logos, branding, and graphics, is the property of Insure 365 Agency Inc. and may not be copied or reused without written permission.

12. Change to These Terms

We may update these Terms of Service at any time. Updates will be posted on this page with a revised effective date.

Continued use of the website indicates acceptance of the updated terms.

13. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law rules.

14. Contact Information

If you have questions about these Terms or disclosures, contact us at:

Insure 365 Agency Inc.
34-18 Northern Blvd, Fl 4, Suite 32
Long Island City, NY 11101

Phone: (929) 639-4663
Email: support@insure365agency.com