Disclaimer

Effective Date: July 23, 2026
Last Updated: July 23, 2026

The information provided on assurance-network.com is for general educational and informational purposes only. By using this website, you acknowledge and agree to the following disclaimers.

1. Independent Insurance Agency

The Assurance Network is an independent insurance agency. We represent multiple insurance carriers and are not owned or controlled by one insurance company.

The availability of insurance carriers, products, plans, benefits, and services varies by state, service area, individual eligibility, agent licensing, and carrier appointment.

The appearance of an insurance carrier’s name, logo, product, or other information on this website does not mean that every product from that carrier is available through The Assurance Network or in every location.

2. No Government Affiliation

The Assurance Network is not affiliated with or endorsed by the United States government, the federal Medicare program, the Health Insurance Marketplace, any state government, or any government agency.

This website is not a federal or state government website.

3. Medicare Disclaimer

The Assurance Network is an independent insurance agency and is not connected with or endorsed by the United States government or the federal Medicare program.

We do not offer every plan available in every area. The plans represented by The Assurance Network depend on our insurance-carrier contracts, agent licensing, product availability, and the applicable service area.

The information we provide is limited to the plans and products available through the insurance carriers we represent. Contact Medicare.gov, call 1-800-MEDICARE (1-800-633-4227), or contact your local State Health Insurance Assistance Program for information about all available Medicare options.

Medicare Advantage and Medicare Part D plan availability, benefits, premiums, deductibles, copayments, coinsurance, provider networks, pharmacy networks, prescription formularies, service areas, eligibility requirements, and star ratings may change.

Enrollment in a Medicare plan depends on contract renewal and an individual’s eligibility and applicable enrollment period.

The Medicare information on this website is educational and does not replace official Medicare materials, a Summary of Benefits, Evidence of Coverage, Annual Notice of Change, or the terms of an insurance plan.

Where required, Medicare Advantage and Part D marketing pages or materials must also display the current carrier-approved CMS or Third-Party Marketing Organization disclaimer applicable to the plans and service areas represented by The Assurance Network.

4. Not All Plans or Products Are Available

The Assurance Network may not represent every insurance carrier, plan, or product available in your state or service area.

A product mentioned on this website may:

• Be unavailable in your state
• Be unavailable in your county or ZIP code
• Require medical underwriting
• Have age or eligibility restrictions
• Be offered only during a particular enrollment period
• Be subject to insurance-carrier approval
• Change or be discontinued without notice

Contacting The Assurance Network does not guarantee that a particular product, insurance carrier, or plan is available.

5. State Licensing

Insurance products and services are offered only through insurance producers who are properly licensed and authorized in the applicable state.

Nothing on this website constitutes an offer, solicitation, or sale in a jurisdiction where such activity would be unlawful.

Submitting a website form from a particular state does not guarantee that The Assurance Network has a licensed agent or product available in that state.

Insurance licensing does not imply endorsement by a state or government agency.

6. General Information Only

The information provided on this website is not intended to be:

• Legal advice
• Tax advice
• Medical advice
• Investment advice
• Financial-planning advice
• A substitute for professional advice
• A recommendation of a specific insurance product
• A complete description of an insurance policy, plan, or contract

You should consult an appropriately licensed or qualified professional regarding your individual circumstances before making an insurance, legal, tax, financial, investment, retirement, or healthcare decision.

7. No Fiduciary Relationship

Using this website, submitting a form, requesting information, or speaking with an insurance agent does not create a fiduciary, legal, medical, tax-advisory, investment-advisory, or financial-advisory relationship.

The Assurance Network and its agents provide insurance-related information and services within the scope of their licenses and carrier authorizations.

8. No Insurance Coverage Created

Using this website, requesting a quote, submitting a form, scheduling an appointment, or speaking with a representative does not create, bind, activate, modify, renew, replace, or extend insurance coverage.

Insurance coverage becomes effective only after:

• A complete application is submitted;
• All required information and documentation are provided;
• The insurance carrier approves the application when approval is required;
• Any required premium is paid; and
• The insurance carrier provides written confirmation of coverage and its effective date.

If there is a difference between information on this website and the terms of an issued policy, certificate, Evidence of Coverage, Summary of Benefits, or insurance contract, the official insurance documents control.

Do not cancel or allow existing insurance coverage to end until you receive and review written confirmation that your new coverage is active.

9. Quotes and Estimates

Insurance quotes, premiums, costs, subsidies, tax credits, benefits, savings illustrations, and coverage examples are estimates and are not guaranteed.

Final eligibility, rates, benefits, exclusions, limitations, underwriting decisions, effective dates, provider participation, prescription coverage, and policy terms are determined by the insurance carrier, healthcare marketplace, government program, or other responsible organization.

Rates and plan information may change without notice.

A quote is not an insurance contract, binder, approval, or guarantee of coverage.

10. No Guarantee of Eligibility or Results

The Assurance Network does not guarantee:

• Eligibility for a particular product or program
• Approval of an application
• Availability of a particular insurance carrier or plan
• A specific premium or rate
• Receipt of a subsidy, tax credit, benefit, or savings
• Approval or payment of a claim
• Coverage of a particular healthcare service or prescription
• Participation of a doctor, hospital, pharmacy, or other provider
• A particular financial, insurance, retirement, or healthcare outcome

Individual results vary according to personal circumstances, eligibility requirements, geographic availability, insurance-carrier rules, policy terms, underwriting, and applicable law.

11. Insurance-Carrier Decisions

The Assurance Network does not control an insurance carrier’s:

• Eligibility determinations
• Underwriting decisions
• Premium rates
• Claims decisions
• Benefit determinations
• Provider networks
• Pharmacy networks
• Prescription formularies
• Policy cancellations or nonrenewals
• Processing times
• Administrative actions
• Contract renewals

Questions, appeals, complaints, or disputes regarding a carrier’s final decision may need to be submitted directly to the carrier, healthcare marketplace, government program, or appropriate regulatory agency.

12. Provider and Pharmacy Information

Provider directories, hospital networks, pharmacy networks, prescription formularies, and benefit information may change during the year.

Before enrolling, scheduling care, receiving services, or filling a prescription, verify current participation and coverage directly with the insurance carrier, healthcare provider, medical facility, or pharmacy.

A provider’s appearance in a directory does not guarantee that the provider is:

• Currently participating in the plan
• Accepting new patients
• Available at a particular location
• Covered for a particular service
• Participating in all products offered by the carrier

13. Health Insurance Marketplace Information

Eligibility for Health Insurance Marketplace coverage, premium tax credits, cost-sharing reductions, Special Enrollment Periods, and other assistance is determined by the applicable marketplace and governing rules.

Estimates are based on the information provided and may change after identity, income, household, immigration, tax-filing, or eligibility information is verified.

Applicants are responsible for providing accurate information and reporting required household or income changes to the applicable marketplace.

Tax-credit information on this website is general and is not tax advice. Consult a qualified tax professional about your individual tax situation.

14. Life Insurance Information

Life insurance products may be subject to:

• Age limitations
• Health questions
• Medical underwriting
• Prescription-history reviews
• Medical examinations
• Financial underwriting
• Contestability provisions
• Exclusions
• Waiting periods
• Coverage limitations
• Insurance-carrier approval

A quote or illustration does not guarantee policy approval, premium amount, cash value, interest crediting, death benefit, or future policy performance.

Policy guarantees are subject to the terms of the insurance contract and the claims-paying ability of the issuing insurance company.

15. Annuity and Retirement Information

Annuities are insurance products and may be subject to:

• Eligibility and suitability requirements
• Surrender periods
• Surrender charges
• Withdrawal limitations
• Market-value adjustments
• Contract fees
• Interest-crediting limitations
• Tax consequences
• Other contract terms

Annuity guarantees are based on the financial strength and claims-paying ability of the issuing insurance company.

Information about annuities and retirement is general and is not legal, tax, investment, or financial-planning advice. Consult an appropriately qualified professional about your individual circumstances.

16. Insurance Alternatives and Non-Insurance Products

Some products or programs discussed on this website may not be insurance. These may include healthcare-sharing arrangements, discount programs, dental savings plans, funeral membership plans, or other insurance alternatives.

Non-insurance products:

• Are not health insurance;
• May not be regulated in the same manner as insurance;
• May not guarantee payment of medical expenses;
• May have membership, eligibility, lifestyle, religious, waiting-period, or other requirements;
• May exclude preexisting conditions or particular services; and
• May not satisfy requirements that apply to comprehensive health insurance.

Review all membership guidelines, limitations, exclusions, disclosures, and program documents before enrolling.

17. Insurance-Producer Compensation

The Assurance Network and its insurance producers may receive commissions or other compensation from insurance carriers or product providers when a policy, plan, or membership is issued, renewed, or serviced.

Compensation may vary by carrier, provider, product, policy, and service.

Consumers are not charged an additional fee for using our insurance-agent services unless a separate written agreement clearly identifies and authorizes that fee.

18. Accuracy and Timeliness of Website Information

The Assurance Network makes reasonable efforts to provide helpful and accurate information. However, we do not guarantee that all website information is complete, current, accurate, or free from errors.

Insurance laws, regulations, carrier requirements, plan benefits, premiums, tax rules, provider networks, formularies, enrollment dates, and product availability may change more quickly than website content can be updated.

The Assurance Network may correct, update, change, or remove website information without notice.

Always review current official documents and confirm important information with a licensed agent, insurance carrier, government agency, healthcare provider, pharmacy, or other responsible organization.

19. Testimonials, Reviews, and Client Experiences

Testimonials, reviews, endorsements, or descriptions of client experiences reflect the opinions and experiences of the individuals who provided them.

They do not guarantee that another person will receive the same or similar result. Insurance eligibility, rates, coverage, benefits, and outcomes vary based on individual circumstances.

Testimonials may be edited for spelling, grammar, clarity, or length without changing their intended meaning.

If a person providing a testimonial received compensation, a discount, a gift, or another material benefit, that relationship will be disclosed as required by applicable law.

20. Photographs and Images

Photographs and images displayed on this website may include stock photography, licensed images, models, actors, clients, agents, contractors, or members of the community.

Unless specifically identified, a person shown in a photograph should not be assumed to be:

• A client of The Assurance Network
• An insurance agent
• An employee or contractor
• A healthcare professional
• A Medicare beneficiary
• A person who uses or endorses a particular insurance product

Images are used for illustrative and design purposes.

21. Third-Party Websites and Information

This website may link to insurance carriers, provider directories, healthcare marketplaces, government agencies, enrollment platforms, social-media services, scheduling systems, and other third-party websites.

Third-party links are provided for convenience and informational purposes.

The Assurance Network does not control and is not responsible for:

• Third-party content or accuracy
• Website availability
• Privacy or security practices
• Products or services
• Decisions or actions
• Changes made by a third party

Access to a third-party website is subject to that organization’s terms, policies, and practices.

A link does not necessarily constitute an endorsement, sponsorship, partnership, or guarantee.

22. Online Advertising

The Assurance Network may use Google Analytics, the Meta/Facebook Pixel, and other online advertising or analytics tools.

Advertising content is intended to provide general information and does not guarantee eligibility, savings, benefits, approval, or coverage.

Seeing or interacting with an advertisement does not mean that a particular product is available to you or that you qualify for it.

Information about cookies, analytics, targeted advertising, and privacy choices is available in our Privacy Policy and cookie-preference tool.

23. No Emergency, Claim, or Cancellation Requests

This website is not an emergency service.

For a medical or life-threatening emergency, call 911 or seek immediate professional assistance.

Do not use a general website form, email, text message, or voicemail to:

• Report an insurance claim
• Cancel a policy
• Make an immediate policy change
• Prevent a policy from lapsing
• Make a premium payment
• Change a beneficiary
• Submit an appeal
• Meet an enrollment or filing deadline
• Provide notice of another urgent or time-sensitive matter

Contact the applicable insurance carrier directly using the information on your insurance card, policy, billing statement, or carrier website.

A request is not completed until the responsible carrier or organization provides confirmation.

24. Limitation of Responsibility

To the fullest extent permitted by law, The Assurance Network is not responsible for losses or damages resulting from:

• Reliance on general website information
• Incomplete, inaccurate, or outdated information supplied by a visitor
• Insurance-carrier decisions
• Government or marketplace decisions
• Provider or pharmacy participation changes
• Third-party websites or services
• Website interruptions, delays, or technical problems
• Actions taken without reviewing official insurance documents
• Failure to confirm that coverage is active

Nothing in this Disclaimer limits responsibility that cannot lawfully be limited or excluded.

25. Other Website Policies

Your use of this website is also governed by our:

• Privacy Policy
• Terms of Use
• Accessibility Statement
• Cookie preferences and related notices

If there is a conflict between general website information and the terms of an issued insurance contract or official plan document, the official contract or document controls.

26. Changes to This Disclaimer

The Assurance Network may update this Disclaimer to reflect changes in our website, services, products, business practices, carrier requirements, or legal obligations.

Updated language will be posted on this page with a revised “Last Updated” date.

27. Contact Information

Questions concerning this Disclaimer may be directed to:

The Assurance Network
P.O. Box 2564
Chester, VA 23831
Telephone: 804-299-4075
Email: hello@assurance-network.com
Website: assurance-network.com