Terms, Conditions & Disclosures

1. About Ins Made Easy

Ins Made Easy is an independent insurance agency that helps consumers understand, compare, apply for, enroll in, and service insurance and related financial-protection products through appropriately licensed and authorized insurance producers.

Depending on availability, licensing, appointments, state, carrier, and eligibility, products may include:

• Individual and family health insurance
• Affordable Care Act (ACA) coverage
• Medicare-related insurance products
• Dental and vision insurance
• Accident insurance
• Critical illness insurance
• Hospital indemnity coverage
• Life insurance
• Annuities and retirement-related insurance products
• Other insurance and supplemental protection products

Not every producer, product, carrier, plan, or service is available in every state.

2. No Guarantee of Coverage

Information on this website is intended for general informational and educational purposes.

Website content does not constitute an insurance contract, binder of coverage, guarantee of eligibility, guarantee of enrollment, guarantee of premium, or guarantee of benefits.

Insurance availability and terms may depend on factors including:

• State of residence
• Age
• Household composition
• Eligibility requirements
• Enrollment periods
• Qualifying life events
• Carrier service areas
• Provider networks
• Prescription formularies
• Underwriting requirements where applicable
• Government marketplace determinations
• Carrier rules
• Applicable law

Final premiums, benefits, exclusions, limitations, provider networks, formularies, effective dates, and eligibility are determined by the applicable carrier, marketplace, government program, enrollment platform, and official plan documents.

3. ACA & Marketplace Coverage

Ins Made Easy may assist consumers with individual and family health coverage available through government marketplaces, including Washington Healthplanfinder where applicable.

Eligibility for premium tax credits, cost-sharing reductions, Medicaid, Apple Health, special enrollment periods, and other programs is determined by the applicable marketplace or government agency, not by Ins Made Easy.

Information regarding income, household composition, residency, tax status, and other eligibility factors should be accurate and may be subject to verification.

4. Medicare

Ins Made Easy may provide information or assistance concerning Medicare-related insurance products through appropriately licensed and certified producers.

Medicare products, carriers, plans, provider networks, formularies, benefits, premiums, and availability vary by location and may change.

Consumers may also obtain Medicare information directly through Medicare.gov or 1-800-MEDICARE.

5. Supplemental, Life & Retirement Products

Ins Made Easy may discuss or offer supplemental insurance products alongside major medical or Medicare coverage when appropriate.

Supplemental insurance is generally separate from major medical insurance and may have separate premiums, limitations, exclusions, waiting periods, benefit triggers, underwriting requirements, and policy terms.

Life insurance, annuity, and retirement-related insurance products may also contain eligibility requirements, exclusions, surrender charges, tax considerations, and contractual provisions.

6. Product Recommendations & Cross-Selling

Ins Made Easy may identify additional insurance products that could complement a consumer's existing or requested coverage.

For example, a consumer requesting health insurance may also receive information about dental, vision, accident, critical illness, hospital indemnity, life, or other insurance products.

Receiving information about an additional product does not obligate you to purchase it.

7. Carrier Relationships & Compensation

Ins Made Easy and its producers may be appointed with or authorized to represent multiple insurance carriers.

We do not necessarily represent every carrier or plan available in a consumer's market.

Ins Made Easy and/or its producers may receive commissions, renewal commissions, bonuses, incentive compensation, or other compensation from insurance carriers or related organizations in connection with insurance products.

Where applicable law requires additional compensation disclosure, the required disclosure will be provided.

8. Online Forms, Quotes & Requests

Submitting a website form, requesting a quote, scheduling an appointment, or communicating with Ins Made Easy does not guarantee:

• Eligibility
• Coverage
• Enrollment
• Carrier acceptance
• A particular premium
• Financial assistance
• Appointment availability
• A particular effective date

9. Electronic Communications

When you contact Ins Made Easy, request insurance assistance, schedule an appointment, or otherwise provide contact information, we may communicate with you through methods appropriate to your request and relationship with us, including telephone and email, subject to applicable law.

Where required, automated or marketing communications will be sent only after the appropriate consent has been obtained.

10. Ins Made Easy SMS/Text Messaging Program

Ins Made Easy may offer optional SMS/text-message communications to consumers who have provided the applicable consent.

Depending on the messaging program and your relationship with Ins Made Easy, messages may include:

• Appointment confirmations and reminders
• Scheduling and rescheduling communications
• Insurance inquiry follow-up
• Enrollment-period reminders
• Annual coverage-review reminders
• Application or enrollment follow-up
• Client onboarding communications
• Customer-service communications
• Renewal-related reminders
• Educational insurance information
• Review or referral requests
• Other insurance-related communications for which applicable consent has been provided

Where separately authorized, consumers may also receive promotional or marketing messages regarding insurance products or services.

Message frequency varies based on your relationship with Ins Made Easy, the services requested, and your interactions with us.

Message and data rates may apply.

Opting Out

Reply STOP to an applicable Ins Made Easy text message to opt out of further messages from that messaging program.

Additional recognized opt-out keywords may be processed where supported by our messaging provider. After opting out, you may receive a final confirmation message.

Getting Help

Reply HELP for help, call 888-907-3279, or email contact@insmadeeasy.com.

Wireless carriers are not liable for delayed or undelivered messages.

11. SMS Consent & Mobile Information

SMS consent is voluntary.

Acceptance of these general Terms does not, by itself, constitute consent to receive marketing or automated text messages where separate consent is required.

Information may be provided to service providers that help Ins Made Easy operate its communications systems where permitted and subject to appropriate restrictions.

12. Third-Party Technology & Service Providers

Ins Made Easy uses third-party technology and service providers to operate portions of its business and website.

These may include services for:

• Customer relationship management
• Appointment scheduling
• Telephone and messaging
• Email
• Website hosting and management
• Analytics
• Advertising measurement
• Workflow automation
• Insurance quoting and enrollment
• Carrier services
• Security and fraud prevention

Current technologies may include AgencyBloc, Calendly, Twilio, WordPress, Google services, Meta technologies, Zapier, carrier websites, insurance marketplaces, and other service providers.

13. Analytics, Advertising & Website Technologies

Ins Made Easy may use analytics, cookies, pixels, tags, and similar technologies to understand website activity, improve the website, measure marketing performance, and support advertising.

These technologies may include:

• Google Analytics 4
• Google Tag Manager
• Meta Pixel
• WordPress technologies
• Advertising measurement technologies
• Cookies and similar technologies

These systems may collect device, browser, referral, page-view, interaction, and similar technical information.

14. Lead Providers, Referrals & Other Sources

Consumers may reach Ins Made Easy directly or through third-party sources such as referral partners, advertising platforms, lead providers, carrier relationships, or other lawful sources.

When contact information originates through another source, Ins Made Easy will use that information subject to applicable law and the permissions associated with the consumer's request.

Consent to receive communications is not automatically transferable merely because contact information is provided by another company.

15. Self-Service Carrier & Enrollment Links

Ins Made Easy may provide links that allow consumers to research, quote, apply for, or enroll in insurance products directly through carrier or enrollment websites.

These websites are operated by third parties.

The applicable carrier or platform controls its:

• Application
• Pricing
• Eligibility
• Underwriting
• Provider information
• Product descriptions
• Enrollment process
• Payment processing
• Privacy practices
• Website functionality

16. Provider Networks & Prescription Information

Provider directories, pharmacy networks, drug formularies, benefit information, and carrier databases may change.

Ins Made Easy may assist consumers in researching these matters but cannot guarantee that a provider, facility, prescription drug, pharmacy, benefit, or network relationship will remain unchanged.

17. Enrollment Deadlines & Effective Dates

Enrollment periods and deadlines may be established by government agencies, marketplaces, carriers, or applicable law and may change.

Information displayed on the website may become outdated. Consumers should verify time-sensitive deadlines before relying on website content.

Ins Made Easy is not responsible for missed deadlines resulting from delayed, incomplete, inaccurate, or unsuccessful submissions outside our control.

18. No Professional Advice Outside Insurance Services

Information provided by Ins Made Easy is not intended as legal, tax, accounting, medical, or investment advice.

Insurance producers may explain insurance products within the scope of their licenses and authority. For other professional advice, consult an appropriately qualified professional.

19. Third-Party Websites

Our website may link to websites operated by insurance carriers, government marketplaces, Medicare, scheduling providers, social-media platforms, maps, enrollment systems, and other organizations.

Ins Made Easy does not control those websites and is not responsible for their availability, security, accuracy, content, terms, or privacy practices.

20. Website Accuracy & Availability

We make reasonable efforts to maintain accurate and useful information.

Insurance rules, carrier offerings, premiums, benefits, networks, enrollment periods, regulations, technology, and other information may change.

We do not warrant that every page will always be complete, current, uninterrupted, or error-free.

21. Intellectual Property

Unless otherwise indicated, Ins Made Easy website content, branding, graphics, written materials, layouts, and original educational content are owned by or licensed to Ins Made Easy and may not be reproduced, distributed, modified, or commercially exploited without permission.

Third-party trademarks, carrier names, logos, and other intellectual property remain the property of their respective owners.

22. Prohibited Website Use

You may not use this website to:

• Violate applicable law
• Attempt unauthorized access
• Introduce malicious software
• Interfere with website operation
• Fraudulently impersonate another person
• Submit intentionally false information
• Scrape protected content for unauthorized commercial use
• Abuse forms, scheduling systems, or communication channels

23. Limitation of Liability

To the fullest extent permitted by applicable law, Ins Made Easy is not responsible for indirect, incidental, consequential, special, or punitive damages arising solely from use of this website or reliance on general website information.

Nothing in these Terms limits rights or remedies that cannot lawfully be waived.

Nothing in these Terms eliminates obligations Ins Made Easy or its licensed producers have under applicable insurance, privacy, consumer-protection, or other laws.

24. Changes to These Terms

Ins Made Easy may update these Terms to reflect changes in our services, insurance products, technology, communications practices, vendors, or legal requirements.

The current version will be posted on this website with an updated effective date.

25. Privacy Policy

Our Privacy Policy explains how Ins Made Easy collects, uses, shares, and protects information.

View the Ins Made Easy Privacy Policy