Terms and Conditions

The Terms and Conditions were last updated on August 28, 2023

1. Introduction

These Terms and conditions apply to this website and to the transactions related to our products and services. You may be bound by additional contracts related to your relationship with us or any products or services that you receive from us. If any provisions of the additional contracts conflict with any provisions of these Terms, the provisions of these additional contracts will control and prevail.

2. Binding

By registering with, accessing, or otherwise using this website, you hereby agree to be bound by these Terms and conditions set forth below. The mere use of this website implies the knowledge and acceptance of these Terms and conditions. In some particular cases, we can also ask you to explicitly agree.

3. Intellectual property

We or our licensors own and control all of the copyright and other intellectual property rights in the website and the data, information, and other resources displayed by or accessible within the website.

3.1 Creative Commons

The content on this website is available under a License, unless specified otherwise.

4. Third-party property

Our website may include hyperlinks or other references to other party’s websites. We do not monitor or review the content of other party’s websites which are linked to from this website. Products or services offered by other websites shall be subject to the applicable Terms and Conditions of those third parties. Opinions expressed or material appearing on those websites are not necessarily shared or endorsed by us.

We will not be responsible for any privacy practices or content of these sites. You bear all risks associated with the use of these websites and any related third-party services. We will not accept any responsibility for any loss or damage in whatever manner, however caused, resulting from your disclosure to third parties of personal information.

5. Responsible use

By visiting our website, you agree to use it only for the purposes intended and as permitted by these Terms, any additional contracts with us, and applicable laws, regulations, and generally accepted online practices and industry guidelines. You must not use our website or services to use, publish or distribute any material which consists of (or is linked to) malicious computer software; use data collected from our website for any direct marketing activity, or conduct any systematic or automated data collection activities on or in relation to our website.

Engaging in any activity that causes, or may cause, damage to the website or that interferes with the performance, availability, or accessibility of the website is strictly prohibited.

6. Refund and Return policy

6.1 Right of withdrawal

You have the right to withdraw from this contract within 14 days without giving any reason.

To exercise the right of withdrawal, you must inform us of your decision to withdraw from this contract by an unequivocal statement (for example a letter sent by post, fax, or email). Our contact details can be found below. You may use the attached model withdrawal form, but it is not obligatory.

You can also electronically fill in and submit the model withdrawal form or any other unequivocal statement on our website.

If you use this option, we will communicate to you an acknowledgement of receipt of such a withdrawal on a durable medium (for example by email) without delay.

To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

6.2 Effects of withdrawal

If you withdraw from this contract, we shall reimburse you all payments received from you, including the costs of delivery (with the exception of the supplementary costs resulting from your choice of a type of delivery other than the least expensive type of standard delivery offered by us), without undue delay and in any event not later than 14 days from the day on which we are informed about your decision to withdraw from this contract. We will carry out such reimbursement using the same means of payment as you used for the initial transaction unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.

You are only liable for any diminished value of the goods resulting from the handling other than what is necessary to establish the nature, characteristics, and functioning of the goods.

Please note that there are some legal exceptions to the right to withdraw, and some items can therefore not be returned or exchanged.  We will let you know if this applies in your particular case.

7. Idea submission

Do not submit any ideas, inventions, works of authorship, or other information that can be considered your own intellectual property that you would like to present to us unless we have first signed an agreement regarding the intellectual property or a non-disclosure agreement. If you disclose it to us absent such written agreement, you grant to us a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, store, adapt, publish, translate and distribute your content in any existing or future media.

8. Termination of use

We may, in our sole discretion, at any time modify or discontinue access to, temporarily or permanently, the website or any Service thereon. You agree that we will not be liable to you or any third party for any such modification, suspension or discontinuance of your access to, or use of, the website or any content that you may have shared on the website. You will not be entitled to any compensation or other payment, even if certain features, settings, and/or any Content you have contributed or have come to rely on, are permanently lost. You must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our website.

9. Warranties and liability

Nothing in this section will limit or exclude any warranty implied by law that it would be unlawful to limit or to exclude. This website and all content on the website are provided on an “as is” and “as available” basis and may include inaccuracies or typographical errors. We expressly disclaim all warranties of any kind, whether express or implied, as to the availability, accuracy, or completeness of the Content. We make no warranty that:

The following provisions of this section will apply to the maximum extent permitted by applicable law and will not limit or exclude our liability in respect of any matter which it would be unlawful or illegal for us to limit or to exclude our liability. In no event will we be liable for any direct or indirect damages (including any damages for loss of profits or revenue, loss or corruption of data, software or database, or loss of or harm to property or data) incurred by you or any third party, arising from your access to, or use of, our website.

10. Privacy

To access our website and/or services, you may be required to provide certain information about yourself as part of the registration process. You agree that any information you provide will always be accurate, correct, and up to date.

We have developed a policy to address any privacy concerns you may have. For more information, please see our Privacy Statement and our Cookie Policy.

11. Export restrictions / Legal compliance

Access to the website from territories or countries where the Content or purchase of the products or Services sold on the website is illegal is prohibited. You may not use this website in violation of export laws and regulations of .

12. Assignment

You may not assign, transfer or sub-contract any of your rights and/or obligations under these Terms and conditions, in whole or in part, to any third party without our prior written consent. Any purported assignment in violation of this Section will be null and void.

13. Breaches of these Terms and conditions

Without prejudice to our other rights under these Terms and Conditions, if you breach these Terms and Conditions in any way, we may take such action as we deem appropriate to deal with the breach, including temporarily or permanently suspending your access to the website, contacting your internet service provider to request that they block your access to the website, and/or commence legal action against you.

14. Indemnification

You agree to indemnify, defend and hold us harmless, from and against any and all claims, liabilities, damages, losses and expenses, relating to your violation of these Terms and conditions, and applicable laws, including intellectual property rights and privacy rights. You will promptly reimburse us for our damages, losses, costs and expenses relating to or arising out of such claims.

15. Waiver

Failure to enforce any of the provisions set out in these Terms and Conditions and any Agreement, or failure to exercise any option to terminate, shall not be construed as waiver of such provisions and shall not affect the validity of these Terms and Conditions or of any Agreement or any part thereof, or the right thereafter to enforce each and every provision.

16. Language

These Terms and Conditions will be interpreted and construed exclusively in English. All notices and correspondence will be written exclusively in that language.

17. Entire agreement

These Terms and Conditions, together with our privacy statement and cookie policy, constitute the entire agreement between you and in relation to your use of this website.

18. Choice of Law and Jurisdiction

These Terms and Conditions shall be governed by the laws of . Any disputes relating to these Terms and Conditions shall be subject to the jurisdiction of the courts of . If any part or provision of these Terms and Conditions is found by a court or other authority to be invalid and/or unenforceable under applicable law, such part or provision will be modified, deleted and/or enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions. The other provisions will not be affected.

19. Contact information

This website is owned and operated by .

20. Download

You can also download our Terms and Conditions as a PDF.

Real people, real stories

Real people,
real stories

Gwen M
Jacksonville, FL
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"I got a full hysterectomy in June and haven't had those terrible migraines since! If it wasn't for you helping me with the insurance it would have never been possible."
Lana B
Boynton Beach, FL
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"Steve, I just had kidney stones and was in terrible pain. I saw the bills the hospital was billing and was in total shock. The first time was unsuccessful and $13,000. The second time was $42,000. I could never ever afford that nor the $1300/in premium before I met you."
Svetlana K
Hollywood, FL
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"My daughter was in a car accident, they cited the other person. I was pissed off because all the cops did was get their insurance info. Only to find out they only had the state minimum which wasn't even enough to pay the hospital bill. Thank god I had this insurance because the ER bill was crazy expensive. Steve can I sue them?"
Daisy F
Orlando, FL
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"Hi Steve, I was referred to you by John T. My husband has covid, he is in the ICU on a ventilator, they tell me it's really bad. We own a small restaurant and the hospital billing office is asking about what insurance we have and what assets we have. Can you call me? My husband let our coverage cancel, didn't tell me and I'm nervous they will go after us. Thanks."
Brooke B
Akron, OH
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Client: "My prescriptions are $800/mo and whatever insurance this other guy sold me doesn't even cover this. How can this be?..... Steve: "Hi, I just searched the formulary and network for you. Your new premium would be $89/mo and the copay for that prescription is only $10... This will start the first of the month, call me when you have 15 minutes and we can finalize. I will tell you how to cancel the other plan... Congrats!"
Alex T
Cleveland, OH
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"I just found out I have stage 4 cancer. I cannot even work and luckily I'm getting disability but my COBRA was $850/mo. Steve helped me switch to a plan that includes all my doctors and reduced my premium to $160/mo. You can definitely tell he has been doing this a while. I thought it was impossible but he came through big time for me."
Candace R
Tampa, FL
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"I'm a single Mom, can barely afford my insurance at work and was worried about my kids... Steve advised me that because both of my adult sons (age 21 and 24) have jobs and pay their own taxes, they can get their own plan. I was shocked to see the coverage was better AND under $15/mo each."
Rodney W
Canton, OH
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"I'm a small business owner, I have great staff and do whatever I can but I cannot afford the ridiculous premiums charged by insurance companies. Steve came in to our facility, sat down with each employee and went over their options. All but one person he was able to help. I truly wish I met him sooner and highly recommend him to any self-employed individuals and small businesses."

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