Terms of Use

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

Welcome to assurance-network.com, the website of The Assurance Network. These Terms of Use govern your access to and use of this website, including its information, forms, features, tools, and related services.

By accessing or using this website, you acknowledge that you have read, understood, and agreed to these Terms of Use and our Privacy Policy. If you do not agree, please discontinue use of the website.

1. About The Assurance Network

The Assurance Network is an independent insurance agency serving individuals, families, seniors, and employer groups in Virginia and other states where our insurance agents are appropriately licensed.

Products and services may include:

• Individual and family health insurance
• Medicare-related insurance products
• Life insurance
• Annuities and retirement-related insurance products
• Employer and small-group benefits
• Insurance alternatives
• Dental savings plans
• Funeral-related plans and services

Available products, insurance carriers, services, and licensed representatives vary by state and individual circumstances.

2. Eligibility to Use the Website

You must be at least 18 years old and legally capable of entering into an agreement to submit an insurance request or application through this website.

A parent, legal guardian, or properly authorized representative may provide information or act on another person’s behalf when permitted by law. By doing so, that individual represents that they have the legal authority and permission necessary to act for the other person.

3. Informational Purposes Only

Information presented on this website is provided for general educational and informational purposes only.

Website content should not be considered:

• Legal advice
• Tax advice
• Medical advice
• Investment advice
• Financial-planning advice
• A recommendation or endorsement of a particular product
• A complete description of an insurance policy, plan, or contract
• A guarantee of eligibility, approval, benefits, savings, coverage, or results

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

4. No Fiduciary or Professional-Advisory Relationship

Unless expressly established through a separate written agreement, using this website or communicating with The Assurance Network does not create a fiduciary, legal, tax-advisory, medical, investment-advisory, or financial-advisory relationship.

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

5. No Insurance Coverage Created

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

Insurance coverage becomes effective only after:

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

The terms of an issued insurance policy, certificate, evidence of coverage, plan document, or insurance contract control if there is any difference between those documents and information presented on this website or discussed by a representative.

Do not cancel, replace, or allow existing insurance coverage to end until you have received and reviewed written confirmation that new coverage is active.

6. Quotes and Estimates

Quotes, premiums, benefits, subsidies, tax credits, costs, savings illustrations, coverage examples, and other estimates are preliminary 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 applicable insurance carrier, healthcare marketplace, government program, or other responsible organization.

Rates, benefits, and plan information may change without notice. A quote is not an offer, approval, insurance binder, or contract of insurance.

7. Accuracy of Information You Provide

You agree to provide complete, current, truthful, and accurate information when requesting assistance, obtaining a quote, submitting an application, scheduling an appointment, or communicating with The Assurance Network.

Incorrect, incomplete, misleading, or outdated information may affect:

• Insurance eligibility
• Premium amounts
• Subsidies or financial assistance
• Effective dates
• Underwriting decisions
• Claims
• Benefits
• Policy issuance
• Policy continuation
• Tax consequences

You are responsible for reviewing applications, enrollment information, electronic documents, policy documents, and confirmations for accuracy before signing or submitting them.

You must promptly notify The Assurance Network and the applicable insurance carrier if your information changes or if you discover an error.

8. Insurance-Carrier Decisions

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

• Underwriting decisions
• Eligibility determinations
• Premium rates
• Claims decisions
• Benefit determinations
• Provider networks
• Prescription formularies
• Policy cancellations or nonrenewals
• Processing times
• Administrative actions
• Website or system availability

Questions, appeals, or disputes concerning a carrier’s final decision may need to be addressed directly with the carrier, healthcare marketplace, government program, or other responsible organization.

9. No Guarantee of Results

The Assurance Network does not guarantee that:

• You will qualify for a particular product or program
• An application will be approved
• A particular carrier or plan will be available
• Your doctors, hospitals, pharmacies, or medications will be covered
• A claim will be approved or paid
• A quoted premium will remain unchanged
• You will receive a particular subsidy, tax credit, benefit, or savings
• A particular product will meet every current or future need
• Website information will apply to your individual circumstances

Insurance products are subject to eligibility requirements, geographic availability, policy terms, carrier rules, underwriting requirements, and applicable law.

10. Provider Networks and Prescription Information

Healthcare provider directories, pharmacy networks, prescription formularies, benefit summaries, and similar information may change during the year.

Before enrolling, receiving care, filling a prescription, or making a coverage decision, verify current participation and coverage directly with the insurance carrier, healthcare provider, medical facility, pharmacy, or other responsible organization.

A healthcare provider’s appearance in an online directory does not guarantee that the provider is currently participating in the plan, accepting new patients, or available at a particular location.

11. Replacement of Existing Coverage

Replacing an existing life, health, Medicare Supplement, Medicare Advantage, annuity, or other insurance product may involve:

• New eligibility or underwriting requirements
• Waiting periods
• Surrender periods or charges
• Loss of existing benefits or guarantees
• Changes to provider networks
• Changes to prescription coverage
• New exclusions or limitations
• Changes to premiums
• Tax consequences

Review all replacement documents and policy terms carefully before making a final decision. Do not cancel existing coverage until replacement coverage has been approved and its effective date has been confirmed in writing.

12. Annuity Information

Annuities are insurance products and may be subject to:

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

Guarantees associated with an annuity are based on the financial strength and claims-paying ability of the issuing insurance company.

Annuity information provided on this website is general and is not legal, tax, or investment advice. Consult an appropriately qualified professional regarding possible legal or tax consequences.

13. Insurance-Producer Compensation

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

Compensation may vary by insurance carrier, product, policy, and service. You are not charged an additional fee for using our insurance-agent services unless a separate written agreement clearly identifies and authorizes that fee.

14. Medicare Information and Disclaimer

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

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

Medicare plan availability, premiums, benefits, provider networks, prescription formularies, service areas, and eligibility requirements may change.

The Medicare information presented on this website is educational and does not replace official Medicare materials or the terms of an insurance plan.

15. State Licensing and Product Availability

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 request from a particular state does not guarantee that The Assurance Network has a licensed representative, insurance carrier, or product available in that state.

Licensing does not imply endorsement by any state or government agency.

16. Website Forms and Requests

Submitting a contact, quote, appointment, or information-request form authorizes The Assurance Network to use the submitted information to respond to your request as explained in our Privacy Policy.

Submitting a form does not:

• Guarantee that you will be contacted within a particular period;
• Create an insurance contract;
• Bind or activate coverage;
• Guarantee that coverage is available;
• Create a fiduciary or professional-advisory relationship; or
• Require you to purchase a product.

Do not use a general website form for an urgent request, claim deadline, enrollment deadline, cancellation request, premium payment, immediate policy change, or other time-sensitive matter.

17. Claims, Cancellations, and Policy Changes

Do not rely on this website or a general website form to:

• Report an insurance claim
• Cancel an insurance policy
• Request an immediate policy change
• Add or remove an insured person
• Make a premium payment
• Change a beneficiary
• Provide notice of a time-sensitive matter
• Prevent a policy from lapsing or terminating

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

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

18. Emergency Situations

This website is not an emergency service.

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

Do not use this website, email, voicemail, or a general contact form to request emergency assistance.

19. Electronic Signatures and Records

When you electronically sign or submit an application, authorization, acknowledgment, consent, or other document, you agree that your electronic signature has the same legal effect as a handwritten signature to the extent permitted by law.

You are responsible for reviewing each document before signing or submitting it and retaining a copy for your records.

You may request information about available nonelectronic options when applicable.

20. Telephone, Email, and Text Communications

When you provide your telephone number or email address, you authorize The Assurance Network and its representatives to respond regarding your inquiry, appointment, quote, application, policy, or requested service.

If you separately agree to receive marketing telephone calls, emails, or text messages, we may send those communications as permitted by law.

For text messages:

• Message frequency may vary.
• Message and data rates may apply.
• Consent is not a condition of purchasing insurance or receiving services.
• Reply STOP to opt out.
• Reply HELP for assistance.
• You may also call 804-299-4075 for assistance.

You may unsubscribe from marketing emails using the unsubscribe link provided in the message.

Opting out of marketing messages will not prevent us from responding to an active request or sending nonmarketing communications related to an appointment, application, policy, or existing business relationship where permitted by law.

Electronic communications may be delayed, misdirected, intercepted, or accessed by unauthorized persons. Do not send Social Security numbers, banking information, payment information, medical records, or other highly sensitive information through ordinary email or text message unless you are specifically instructed to use an approved secure method.

21. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.

By using the website, you acknowledge that internet and electronic communications cannot be guaranteed to be completely private or secure.

Our use of cookies, Google Analytics, the Meta/Facebook Pixel, and online advertising technologies is described in our Privacy Policy and cookie-preference tool.

22. Acceptable Use

You agree to use this website only for lawful purposes.

You may not:

• Violate any federal, state, local, or international law
• Submit false, fraudulent, misleading, or unauthorized information
• Impersonate another person
• Misrepresent your identity, authority, or relationship with another person
• Request insurance information or services for someone else without authorization
• Introduce viruses, malicious code, or harmful technology
• Attempt to gain unauthorized access to the website, server, database, forms, or connected systems
• Interfere with the website’s security, operation, or availability
• Scrape, harvest, extract, or collect information through unauthorized automated means
• Use website content for unlawful, deceptive, misleading, or unauthorized commercial purposes
• Copy, reproduce, sell, license, publish, or distribute protected content without permission
• Use the website to transmit spam, unsolicited advertising, or harmful material
• Assist another person in engaging in prohibited conduct

We may restrict or terminate access when we reasonably believe these Terms have been violated.

23. Intellectual Property

Unless otherwise stated, the website’s design, text, graphics, logos, icons, photographs, videos, forms, downloadable materials, educational materials, arrangement, and original content are owned by or licensed to The Assurance Network and are protected by applicable intellectual-property laws.

You may view, download, or print a reasonable number of pages for personal, noncommercial use.

You may not reproduce, modify, republish, distribute, display, sell, license, or commercially exploit website content without prior written permission from The Assurance Network or the applicable rights holder.

Insurance-carrier names, product names, logos, and third-party trademarks remain the property of their respective owners. Their appearance on this website does not imply ownership by The Assurance Network or endorsement beyond an authorized business relationship.

24. Third-Party Websites and Services

This website may provide links to:

• Insurance carriers
• Healthcare marketplaces
• Government agencies
• Provider directories
• Enrollment platforms
• Scheduling services
• Social-media platforms
• Other third-party websites and resources

These links are provided for convenience and informational purposes.

The Assurance Network does not control and is not responsible for third-party content, availability, accuracy, security, privacy practices, products, services, decisions, or actions.

Accessing a third-party website is at your discretion and is subject to that third party’s terms and privacy policies.

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

25. Website Availability and Changes

We attempt to maintain useful and accurate information, but we do not guarantee that the website will always be available, uninterrupted, secure, complete, current, or free from errors.

Without prior notice, we may:

• Change or remove website content
• Correct errors
• Modify website features
• Suspend website access
• Discontinue part or all of the website
• Update products, services, carrier information, or educational materials

Insurance laws, regulations, products, premiums, benefits, and carrier requirements may change more quickly than website content can be updated.

26. Disclaimer of Warranties

To the fullest extent permitted by law, this website and its content are provided on an “as is” and “as available” basis.

The Assurance Network disclaims all express or implied warranties concerning the website and its content, including warranties of:

• Accuracy
• Completeness
• Reliability
• Availability
• Security
• Merchantability
• Fitness for a particular purpose
• Title
• Noninfringement

Nothing in these Terms excludes a warranty or consumer protection that cannot legally be excluded.

27. Limitation of Liability

To the fullest extent permitted by applicable law, The Assurance Network and its owners, agents, representatives, contractors, service providers, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to:

• Your use of or inability to use the website
• Reliance on general website information
• Website interruptions, errors, or security incidents
• Third-party websites or services
• Loss of data, opportunities, profits, or business
• Decisions made using incomplete, inaccurate, or outdated information

Nothing in these Terms limits liability that cannot lawfully be limited or excluded.

28. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless The Assurance Network and its owners, agents, representatives, contractors, and service providers from claims, liabilities, losses, damages, costs, or expenses arising from:

• Your unlawful or unauthorized use of the website
• Your violation of these Terms
• Information you submit without appropriate authority
• Your infringement of another person’s rights

This provision does not apply where prohibited by law.

29. Accessibility

The Assurance Network is committed to providing an accessible website experience.

If you have difficulty accessing website content or need assistance, call 804-299-4075 or email hello@assurance-network.com.

Additional information is available in our Accessibility Statement.

30. Governing Law

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-law principles.

Subject to applicable law, legal proceedings concerning these Terms or the website shall be brought in a court of competent jurisdiction located in Virginia.

Consumers may have mandatory rights under the laws of their state of residence that these Terms cannot restrict.

31. Severability

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted or removed, and the remaining provisions will continue in effect.

32. No Waiver

Our failure to enforce a provision of these Terms does not waive our right to enforce that provision or another provision in the future.

33. Assignment

You may not assign or transfer your rights or obligations under these Terms without written permission from The Assurance Network.

The Assurance Network may assign its rights and obligations in connection with a merger, acquisition, reorganization, sale, or transfer of the business, subject to applicable law.

34. Entire Agreement

These Terms of Use and our Privacy Policy constitute the agreement between you and The Assurance Network concerning your use of this website.

They do not replace or modify the terms of an insurance policy, carrier agreement, application, enrollment document, or other separate written agreement.

35. Changes to These Terms

We may update these Terms to reflect changes in our website, services, business practices, or legal obligations.

Updated Terms will be posted on this page with a revised “Last Updated” date. Your continued use of the website after updated Terms are posted constitutes acceptance of the changes to the extent permitted by law.

36. Contact Information

Questions about these Terms of Use 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