These Terms of Use ("Terms") govern your access to and use of the website insadvisors.com operated by Insurance Advisors of Florida, LLC ("we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use our website.
1. Acceptance of Terms
By using this website, submitting a quote request, or contacting us through any form on this site, you confirm that you are at least 18 years of age and agree to these Terms of Use and our Privacy Policy, which is incorporated herein by reference. We reserve the right to modify these Terms at any time. Continued use of the website after changes constitutes your acceptance of the updated Terms.
2. Description of Services
Insurance Advisors of Florida, LLC is a licensed independent insurance agency. Through this website, we provide:
- Educational information about health, life, dental, vision, and supplemental insurance products
- The ability to request quotes and consultations from licensed insurance agents
- Blog content and insurance education resources
- Contact forms to connect with our licensed agents
We act as an independent broker and may represent multiple insurance carriers. We are compensated by insurance carriers when you enroll in a plan through us. This compensation does not affect the cost of your insurance premium.
3. No Insurance or Legal Advice
The content on this website is provided for general educational and informational purposes only. It does not constitute professional insurance advice, legal advice, financial advice, or a binding offer of insurance coverage.
Insurance needs vary by individual, family, and business. Information presented on this site may not apply to your specific situation. Plan availability, benefits, premiums, and eligibility requirements vary by location, carrier, and individual circumstances and are subject to change.
You should consult directly with a licensed insurance agent before making any insurance decisions. Our agents are available to provide personalized guidance at no cost to you.
4. Licensing & Regulatory Disclosures
Insurance Advisors of Florida, LLC operates under the following licenses and affiliations:
- Florida Insurance Agency License — Licensed by the Florida Department of Financial Services
- Chad Garrell — Florida Insurance License #E177439
- Florida Blue Preferred Agency
- Licensed to sell insurance in 40+ states
We are licensed to sell health, life, dental, vision, Medicare, and supplemental insurance products. Not all products are available in all states. Medicare products are subject to CMS (Centers for Medicare & Medicaid Services) marketing guidelines.
Medicare Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
5. Website Content & Accuracy
We make reasonable efforts to ensure that information on this website is accurate and up to date. However, insurance products, premiums, plan benefits, and regulatory requirements change frequently. We make no warranty that the content on this website is current, complete, or error-free.
Premium estimates, savings figures, and benefit descriptions on this site are for illustrative purposes only and are not guaranteed. Actual premiums and benefits are determined by the applicable insurance carrier and may differ from estimates shown.
We reserve the right to modify, update, or remove any content on this website at any time without notice.
6. Intellectual Property
All content on this website — including text, graphics, logos, images, blog posts, and design — is the property of Insurance Advisors of Florida, LLC or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws.
You may view and print pages from this website for personal, non-commercial use only. You may not reproduce, distribute, modify, transmit, republish, or commercially exploit any content from this site without our prior written consent.
7. User Conduct
When using this website or contacting us through forms, you agree not to:
- Provide false, misleading, or fraudulent information in any form submission
- Use the website for any unlawful purpose or in violation of any applicable regulations
- Attempt to gain unauthorized access to any portion of the website or its systems
- Transmit spam, viruses, or any harmful code through the website
- Use automated tools to scrape, crawl, or harvest information from this website
- Impersonate any person or entity or misrepresent your affiliation with any person or entity
8. Third-Party Links & Services
This website may contain links to third-party websites, including insurance carrier websites, government resources (Medicare.gov, HealthCare.gov), and other external sites. These links are provided for your convenience only. We do not control and are not responsible for the content, privacy practices, or terms of any third-party website.
Linking to a third-party site does not constitute our endorsement of that site or its content. We encourage you to review the terms and privacy policies of any third-party sites you visit.
9. Disclaimer of Warranties
This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant that any specific insurance product will be available or suitable for your needs.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Insurance Advisors of Florida, LLC and its agents, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or reliance on information contained herein.
Our total liability to you for any claim arising out of or relating to these Terms or your use of this website shall not exceed $100. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability, so some of the above limitations may not apply to you.
11. Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Seminole County, Florida.
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
