Terms & Conditions

Insurance Navigators is an independent marketing and lead generation company that helps connect consumers with licensed insurance agents, insurance agencies, insurance carriers, and insurance-related service providers.

Insurance Navigators is not an insurance company, insurance carrier, government agency, or Medicare program.

The information provided on this website is for informational purposes only and should not be considered insurance, legal, financial, or tax advice.

Any insurance-related decisions should be made after consulting directly with a licensed insurance professional.

You must be at least 18 years old to use this website.

By using this website, you represent and warrant that you are at least 18 years of age.

By calling a phone number displayed on this website, you acknowledge and agree that you may be connected with a licensed insurance agent, insurance agency, insurance carrier, or other insurance-related service provider.

Calls may be monitored or recorded for quality assurance, training, compliance, and business purposes.

Insurance Navigators does not guarantee:

• Insurance eligibility
• Policy approval
• Coverage availability
• Specific insurance products
• Insurance rates or premiums
• Savings amounts

All insurance products, pricing, underwriting decisions, and eligibility determinations are made solely by the applicable insurance provider.

You agree to:

• Use the website only for lawful purposes.
• Not attempt to gain unauthorized access to any portion of the website.
• Not interfere with the operation or security of the website.
• Not use the website in any manner that could damage, disable, or impair website functionality.

All content on this website, including text, graphics, logos, images, designs, layouts, and other materials, is the property of Insurance Navigators or its licensors and is protected by applicable intellectual property laws.

No content may be copied, reproduced, distributed, modified, or used without prior written permission.

Insurance Navigators may connect consumers with third-party insurance agents, agencies, carriers, or service providers.

We are not responsible for the products, services, actions, statements, policies, or practices of any third party.

Any transactions, communications, or agreements between you and a third party are solely between you and that third party.

This website is provided on an "as is" and "as available" basis.

Insurance Navigators makes no representations or warranties of any kind, express or implied, regarding:

• Website availability
• Website functionality
• Accuracy of information
• Reliability of information
• Error-free operation
• Fitness for a particular purpose

Your use of the website is at your own risk.

To the fullest extent permitted by applicable law, Insurance Navigators, its owners, officers, employees, affiliates, contractors, and partners shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from or related to your use of this website or any services obtained through this website.

You agree to indemnify, defend, and hold harmless Insurance Navigators and its affiliates, owners, officers, employees, contractors, and partners from and against any claims, damages, liabilities, losses, costs, and expenses arising out of your use of the website or your violation of these Terms & Conditions.

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms & Conditions by reference.

Insurance Navigators reserves the right to modify these Terms & Conditions at any time without prior notice.

Any changes will become effective immediately upon posting. Your continued use of the website following any changes constitutes your acceptance of the revised Terms & Conditions.

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles.

If you have any questions regarding these Terms & Conditions, please call us at 855-682-6133.