Terms & Conditions

Effective Date: August 12, 2025

1. Acceptance of Terms

By accessing and using the FB INSURANCES website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our services.

2. Services Provided

FB INSURANCES is a licensed insurance brokerage firm that provides:

  • Medicare insurance consultation and enrollment services
  • Wealth management and retirement planning insurance products
  • Insurance quotes and comparisons from multiple carriers
  • Ongoing customer support and policy management

3. Licensing and Authorization

FB INSURANCES operates under proper state insurance licenses and authorizations. All agents are licensed insurance professionals in their respective states. We are appointed with multiple insurance carriers to provide competitive options to our clients.

4. User Responsibilities

When using our services, you agree to:

  • Provide accurate, complete, and truthful information
  • Update us promptly of any changes to your circumstances
  • Review all insurance documents and disclosures carefully
  • Make timely premium payments directly to insurance carriers
  • Comply with all applicable laws and regulations

5. Information Accuracy

You are responsible for ensuring that all information provided to us is accurate and complete. Providing false or misleading information may result in:

  • Denial of coverage by insurance carriers
  • Cancellation of existing policies
  • Legal consequences under insurance fraud laws
  • Termination of our services

6. No Guarantee of Coverage

While we work diligently to help you obtain insurance coverage, we cannot guarantee that any insurance carrier will approve your application. Final underwriting decisions are made by the insurance companies, not by FB INSURANCES.

7. Compensation and Commissions

FB INSURANCES is compensated through commissions paid by insurance carriers when policies are sold. These commissions do not increase the cost of your insurance premiums. We may also receive bonuses or other incentives from carriers based on sales volume or performance metrics.

8. Limitation of Liability

To the maximum extent permitted by law, FB INSURANCES shall not be liable for:

  • Any indirect, incidental, special, or consequential damages
  • Loss of profits, data, or business opportunities
  • Claims arising from insurance carrier decisions or policy terms
  • Damages exceeding the amount of commissions received from your policy

9. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of FB INSURANCES or our licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

10. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. By using our services, you consent to our privacy practices as described in our Privacy Policy.

11. Website Use and Restrictions

You may not use our website to:

  • Violate any applicable laws or regulations
  • Transmit harmful, offensive, or inappropriate content
  • Interfere with website functionality or security
  • Collect personal information about other users
  • Use automated systems to access our services

12. Termination

We reserve the right to terminate or suspend your access to our services at any time, with or without notice, for any reason including violation of these Terms and Conditions.

13. Changes to Terms

We may update these Terms and Conditions from time to time. Material changes will be posted on our website with an updated effective date. Your continued use of our services constitutes acceptance of the revised terms.

14. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of the state in which FB INSURANCES is domiciled. Any disputes arising from these terms shall be resolved in the courts of competent jurisdiction in that state.

15. Severability

If any provision of these Terms and Conditions is found to be unenforceable, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.

16. Contact Information

If you have any questions about these Terms and Conditions, please contact us through our website inquiry forms or by phone. We are committed to addressing your concerns promptly and professionally.