Diabetic Insurance Solutions

1. INTRODUCTION AND ACCEPTANCE

Welcome to Diabetic Insurance Solutions ("the Website"), operated by Diabetic Insurance Solutions ("we," "us," "our," "Producer," or "Agency"). By accessing or using our Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Website.

2. LICENSING AND REGULATORY COMPLIANCE

The insurance products and services offered through this Website are provided by a duly licensed insurance producer. All insurance transactions conducted through this Website are subject to applicable state and federal insurance laws and regulations. Our insurance license number is 12878572 in Illinois, and we maintain appropriate licenses in all jurisdictions where we conduct business.

3. INSURANCE PRODUCT INFORMATION

3.1 No Guarantee of Coverage

The information provided on this Website regarding insurance products, including but not limited to policy terms, conditions, and premiums, is for informational purposes only. Actual coverage, eligibility, premiums, and terms will be determined based on underwriting guidelines, health information, and other factors as determined by the insurance carriers we represent.

3.2 Specialized Focus

Our Website specializes in life insurance solutions for individuals with diabetes and related health conditions. While we provide specialized knowledge in this area, the final determination of insurability and rates will be made solely by the insurance carriers.

3.3 Quote Accuracy

Any quotes provided through this Website are estimates only and are subject to change based on complete underwriting. Final premiums and policy terms may differ from initial quotes based on the information provided during the application process and the underwriting decision of the insurance carrier.

4. AGENCY RELATIONSHIP

4.1 Agency Appointments

We represent multiple insurance carriers as an independent agent/broker. We are not an employee of any insurance carrier featured on this Website. We are appointed to sell products from various insurance companies, and we receive compensation in the form of commissions from these companies for policies that are issued.

4.2 Fiduciary Duty

We strive to act in the best interest of our clients. However, this Website and our services do not create a fiduciary relationship beyond what is explicitly required by applicable insurance regulations.

5. APPLICATION PROCESS

5.1 Accuracy of Information

You agree to provide accurate, complete, and truthful information in all insurance applications and related documents. Providing false, incomplete, or misleading information may result in denial of coverage, rescission of policies, denial of claims, or other adverse consequences.

5.2 Medical Information

Given our specialization in diabetic life insurance solutions, we may request detailed medical information relevant to your diabetes management and overall health. You agree to provide this information accurately and completely to facilitate proper underwriting.

5.3 HIPAA Compliance

All medical and personal information provided to us is subject to our Privacy Policy and will be handled in compliance with the Health Insurance Portability and Accountability Act (HIPAA) and other applicable privacy laws.

6. DISCLAIMER OF WARRANTIES

6.1 Website Information

THE WEBSITE AND ALL CONTENT, MATERIALS, INFORMATION, AND SERVICES PROVIDED ON THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

6.2 Insurance Information

WE DO NOT WARRANT THAT THE INSURANCE INFORMATION PROVIDED ON THIS WEBSITE IS ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE. INSURANCE PRODUCT INFORMATION IS SUBJECT TO CHANGE WITHOUT NOTICE, AND THE FINAL TERMS OF ANY INSURANCE POLICY ARE GOVERNED SOLELY BY THE POLICY DOCUMENTS ISSUED BY THE INSURANCE CARRIER.

7. LIMITATION OF LIABILITY

7.1 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE, OUR AFFILIATES, OR OUR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR REPRESENTATIVES BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE WEBSITE OR OUR SERVICES.

7.2 Insurance Advice

We provide information about insurance products and services, but we do not provide tax, legal, or investment advice. Any decisions based on information obtained from this Website or our representatives are your sole responsibility. You should consult with appropriate professionals for specific advice tailored to your situation.

8. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Agency, Producer, our affiliates, licensors, and service providers, and our and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website.

9. THIRD-PARTY LINKS AND CONTENT

The Website may contain links to third-party websites, including insurance carrier websites, or third-party content. These links and content are provided solely for your convenience and do not imply any endorsement, sponsorship, or recommendation by us. We have no control over, do not review, and are not responsible for third-party websites, their content, or any products or services they offer.

10. INTELLECTUAL PROPERTY

All content, features, and functionality on the Website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the exclusive property of the Agency, our licensors, or other content providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

11. PRIVACY POLICY

Your use of the Website is also governed by our Privacy Policy, which is incorporated herein by reference. Please review our Privacy Policy which also governs your use of the Website and informs you of our data collection practices.

12. CHANGES TO TERMS

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Website after those revisions become effective, you agree to be bound by the revised terms.

13. TERMINATION

We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. GOVERNING LAW AND JURISDICTION

These Terms shall be governed by and construed in accordance with the laws of the State of [YOUR STATE], without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within [YOUR COUNTY] County, [YOUR STATE] for the resolution of any disputes arising out of or relating to these Terms or your use of the Website.

15. SEVERABILITY

If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

16. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Website and supersede all prior and contemporaneous written or oral agreements, communications, and other understandings relating to the subject matter of these Terms.

17. INSURANCE-SPECIFIC DISCLOSURES

17.1 Commission Disclosure

We receive compensation in the form of commissions from insurance carriers when policies are issued. The amount of commission varies by product, carrier, and other factors. This compensation does not affect the premium you pay for any insurance policy.

17.2 Carrier Relationship

We are not an insurer. We are a licensed insurance producer who represents multiple insurance carriers. All insurance coverage is provided by the insurance carriers with whom we place your insurance, subject to the terms and conditions of the policies issued by those carriers.

17.3 Medical Underwriting

Life insurance for individuals with diabetes typically requires medical underwriting. This process may include reviews of medical records, laboratory tests, medical examinations, or other information as required by the insurance carrier. The final decision on insurability and premium rates rests solely with the insurance carrier.

18. CONTACT US

If you have any questions about these Terms, please contact us at:

Diabetic Insurance Solutions

1 E. Erie St.
Chicago, Illinois 60611

info at diabeticinsurancesolutions dot com

NPN License #: 12878572

States Licensed: Licensed in all states except; AK, HI, PR, and WI.

19. Editorial Disclosure: At DiabeticInsuranceSolutions.com, our mission is to empower individuals with diabetes by offering comprehensive insights into Final Expense and Term Insurance, guiding them towards making well-informed choices regarding their insurance requirements. We are dedicated to delivering reliable and meticulously researched information, verified by recognized authorities in the field. Our content undergoes regular scrutiny and updates to maintain its precision and relevancy. It's important for our audience to know that DiabeticInsuranceSolutions.com receives compensation through the sales of insurance products featured on our platform. Despite this, our assessments, insights, critiques, and endorsements remain impartial and unaffected by these financial considerations. Our priority is to cater to the unique needs of our clients, focusing on the most beneficial solutions for them, rather than on what might yield the highest profit for us. We stand firm on principles of transparency and integrity in all our editorial endeavors. We believe that honesty and the provision of current, accurate information are paramount in serving our community effectively. Should you have any inquiries or concerns regarding our editorial policies, we encourage you to reach out to us.