Last Updated: September 30, 2026

Thank you for accessing the Medicare Advisors Insurance Group LLC website (the “Site”).

This Site is owned and operated by Medicare Advisors Insurance Group LLC (“Medicare Advisors Insurance Group LLC,” “Medicare Advisors,” “we,” “our,” or “us”).

In these Terms of Use (“Terms”), “you,” “user,” or “your” means any person who accesses or uses the Site.

By accessing or using this Site, you agree to comply with and be bound by these Terms, including the arbitration provisions contained in the section titled Disputes.

Please review these Terms carefully. If you do not agree to these Terms, you should not access or use this Site.

1. Agreement

These Terms describe the terms and conditions applicable to your access to and use of the Site.

We may modify these Terms from time to time by posting an updated version on the Site. Any changes will become effective when posted unless otherwise stated or required by applicable law.

The “Last Updated” date at the top of this page indicates when these Terms were most recently revised.

Your continued use of the Site following the posting of revised Terms constitutes your acceptance of those revisions, subject to applicable law.

2. Privacy

Your use of the Site is also governed by our Privacy Policy.

Please review our Privacy Policy at:

https://mymedicareadvisors.com/privacy-policy/

Our Privacy Policy explains how we collect, use, disclose, protect, and retain personal information, including information relating to our optional SMS messaging program.

3. Ownership

All content included on this Site, including text, graphics, logos, designs, images, photographs, videos, software, interfaces, and other materials, is owned by or licensed to Medicare Advisors Insurance Group LLC or its content suppliers and is protected by applicable copyright, trademark, patent, and other intellectual property laws.

Except as expressly permitted by these Terms or applicable law, you may not copy, reproduce, modify, distribute, publish, display, transmit, sell, license, create derivative works from, or otherwise use any portion of the Site without our prior written permission.

Use of the Site does not grant you any ownership interest in the Site or its content.

4. Intended Audience

This Site is intended for adults.

This Site is not intended for use by individuals under eighteen (18) years of age.

Individuals under the age of eighteen should not submit personal information through the Site except where appropriately authorized and permitted by applicable law.

5. Trademarks

“Medicare Advisors Insurance Group LLC,” “Medicare Advisors,” related names, logos, designs, and other identifying marks may be trademarks or service marks owned by or licensed to Medicare Advisors Insurance Group LLC.

Other company names, product names, logos, trademarks, and service marks displayed on the Site may be the property of their respective owners.

Nothing contained on the Site grants any license or right to use any trademark, service mark, or logo without the prior written permission of its owner.

6. Site Use

We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for lawful personal or business purposes consistent with these Terms.

You agree not to:

• Use the Site for unlawful, fraudulent, or abusive purposes;

• Attempt to gain unauthorized access to the Site, servers, accounts, systems, or networks;

• Interfere with the operation, availability, or security of the Site;

• Introduce viruses, malicious code, or other harmful technology;

• Reverse engineer, decompile, or attempt to extract source code except where permitted by applicable law;

• Copy, scrape, harvest, or systematically collect information from the Site in violation of applicable law or these Terms;

• Impersonate another person or entity;

• Submit false, misleading, or fraudulent information; or

• Use Site content in a manner that infringes or violates the rights of another person or entity.

We reserve the right to restrict, suspend, or terminate access to the Site where permitted by law.

7. Compliance with Laws

You agree to comply with all applicable federal, state, and local laws, regulations, rules, and requirements when accessing or using the Site.

You represent that information you provide to us is truthful and accurate to the best of your knowledge.

8. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Medicare Advisors Insurance Group LLC and its owners, officers, employees, representatives, partners, subsidiaries, affiliates, and service providers from claims, liabilities, losses, damages, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to:

• Your violation of these Terms;

• Your misuse of the Site;

• Your violation of applicable law; or

• Your infringement of the rights of another person or entity.

9. Disclaimer

THE SITE AND INFORMATION AVAILABLE THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

MEDICARE ADVISORS INSURANCE GROUP LLC DISCLAIMS WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE EXTENT SUCH WARRANTIES MAY LAWFULLY BE DISCLAIMED.

WE DO NOT WARRANT THAT:

• THE SITE WILL ALWAYS BE AVAILABLE OR UNINTERRUPTED;

• THE SITE WILL BE FREE FROM ERRORS OR SECURITY VULNERABILITIES;

• INFORMATION ON THE SITE WILL ALWAYS BE COMPLETE, CURRENT, OR ERROR-FREE; OR

• EVERY PRODUCT, PLAN, OR SERVICE DISCUSSED ON THE SITE WILL BE AVAILABLE TO EVERY USER OR IN EVERY GEOGRAPHIC AREA.

Certain jurisdictions do not permit the exclusion of particular warranties, so some of the above limitations may not apply to you.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MEDICARE ADVISORS INSURANCE GROUP LLC AND ITS OWNERS, OFFICERS, EMPLOYEES, REPRESENTATIVES, PARTNERS, AFFILIATES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO YOUR ACCESS TO OR USE OF THE SITE.

THIS INCLUDES, WHERE PERMITTED BY LAW, DAMAGES ASSOCIATED WITH LOSS OF DATA, LOSS OF BUSINESS, LOST PROFITS, BUSINESS INTERRUPTION, OR SIMILAR LOSSES.

YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE OR ITS CONTENT IS TO DISCONTINUE USE OF THE SITE, EXCEPT TO THE EXTENT THAT APPLICABLE LAW PROVIDES OTHERWISE.

Certain laws may not permit the exclusion or limitation of particular damages or liabilities. Where those laws apply, the foregoing limitations will apply only to the maximum extent permitted.

11. Use of Information

Information submitted through or collected by the Site will be handled in accordance with our Privacy Policy and applicable law.

You authorize us to use information you provide for purposes consistent with:

• Your requests;

• Our products and services;

• Customer support;

• Legal and regulatory requirements;

• Site operation and security; and

• Our Privacy Policy.

SMS consent and mobile information are subject to the additional protections described in our Privacy Policy and the SMS Messaging Terms below.

12. Copyrights and Copyright Agent

If you believe that material appearing on the Site infringes your copyright or other intellectual property rights, please provide us with a written notice containing information reasonably sufficient to identify the issue, including:

(a) An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or intellectual property interest;

(b) A description of the copyrighted work or other intellectual property that you claim has been infringed;

(c) A description of where the material that you claim is infringing is located on the Site;

(d) Your name, address, telephone number, and email address;

(e) A statement that you have a good-faith belief that the disputed use is not authorized by the intellectual property owner, its agent, or applicable law; and

(f) A statement, made under penalty of perjury, that the information contained in your notice is accurate and that you are the owner of the applicable intellectual property or authorized to act on the owner’s behalf.

Notices may be sent to:

Medicare Advisors Insurance Group LLC
3 Broad St
Elizabeth, NJ 07201

Email: hb@mymedicareadvisors.com

13. Disputes

Any dispute or claim relating in any way to your use of the Site or your relationship with Medicare Advisors Insurance Group LLC will be resolved by binding arbitration rather than in court, except that you may assert claims in small claims court if your claims qualify.

The Federal Arbitration Act and applicable federal arbitration law apply to this arbitration agreement.

There is no judge or jury in arbitration, and judicial review of an arbitration award is limited.

However, an arbitrator may award on an individual basis the same damages and relief that a court could award, including injunctive, declaratory, or statutory relief where applicable, and the arbitrator must follow these Terms as a court would.

To begin an arbitration proceeding, you must send a written request for arbitration describing your claim to:

Medicare Advisors Insurance Group LLC
3 Broad St
Elizabeth, NJ 07201

with an email copy to:

hb@mymedicareadvisors.com

The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with its applicable rules and procedures.

Information regarding AAA rules and procedures is available at:

https://www.adr.org/

Payment of filing, administration, and arbitrator fees will be governed by the applicable AAA rules.

For claims totaling less than $10,000, we will reimburse arbitration fees where required under the applicable AAA rules and the terms of this arbitration provision, unless the arbitrator determines that a claim is frivolous or otherwise determines differently under applicable law.

Likewise, we will not seek attorneys’ fees and costs from you in arbitration unless the arbitrator determines that your claim is frivolous or such recovery is otherwise permitted by applicable law.

Where permitted under the applicable rules, arbitration may be conducted by telephone or video conference, based on written submissions, in the county where you reside, or at another mutually agreed location.

You and Medicare Advisors Insurance Group LLC agree that dispute resolution proceedings will be conducted only on an individual basis and not as a class, consolidated, or representative action, to the extent permitted by applicable law.

If for any reason a claim proceeds in court rather than arbitration, each party waives any right to a jury trial to the extent permitted by applicable law.

Nothing in this section prevents either party from seeking appropriate relief in court regarding infringement or misuse of intellectual property rights where permitted by law.

14. Applicable Law

Except to the extent governed by the Federal Arbitration Act or other applicable federal law, you agree that the laws of the State of New York, without regard to conflict-of-laws principles, will govern these Terms and any dispute arising between you and Medicare Advisors Insurance Group LLC or its owners, employees, partners, subsidiaries, or affiliates.

15. Severability

If any provision of these Terms is found by a court or other tribunal of competent jurisdiction to be unlawful, invalid, or unenforceable, that provision will be limited or modified to the minimum extent necessary so that the remainder of these Terms remains valid and enforceable.

16. Waiver

Our failure to exercise or enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

Any waiver must be in writing and authorized by an appropriate representative of Medicare Advisors Insurance Group LLC.

17. Termination

We may suspend or terminate your ability to use the Site where permitted by applicable law, including where we reasonably believe you have violated these Terms, misused the Site, or created a security or legal risk.

Provisions of these Terms that by their nature should continue following termination will remain in effect.

18. Relationship of the Parties

Nothing contained in these Terms or arising from your use of the Site creates a partnership, joint venture, employer-employee relationship, agency relationship, franchise, or other similar relationship between you and Medicare Advisors Insurance Group LLC.

Neither party has authority to incur, assume, or create obligations in the name of the other except as expressly agreed in writing.

19. Entire Agreement

These Terms, together with the Privacy Policy and any other policies, notices, disclosures, or terms specifically incorporated by reference, constitute the agreement governing your use of the Site.

These Terms supersede prior or contemporaneous communications or proposals concerning your use of the Site to the extent those communications conflict with these Terms.

We may update these Terms from time to time by posting a revised version on the Site.

Please review these Terms periodically for changes.

20. SMS Messaging Terms

Medicare Advisors Insurance Group LLC offers an optional recurring SMS messaging program for clients who voluntarily choose to receive text messages from us.

Program Description

If you opt in, Medicare Advisors Insurance Group LLC may send SMS messages relating to:

• Customer support;

• Appointment confirmations;

• Appointment reminders;

• Scheduling changes or updates; and

• Non-promotional birthday greetings.

The SMS program described in this section is not used to send sales offers or insurance-plan promotions.

How to Opt In

Clients may opt in through the Medicare Advisors Insurance Group LLC Contact Us form at:

https://mymedicareadvisors.com/contact-us/

To opt in, you must enter a mobile telephone number and actively select the separate SMS consent checkbox.

The SMS consent checkbox:

• Is optional;

• Is not selected by default; and

• Is separate from acceptance of any required terms or policies.

You may submit the website form, purchase products, request information, and receive services without agreeing to receive SMS messages.

Providing a telephone number alone does not constitute SMS consent.

Verbal consent is not used for this SMS program.

Confirmation of Enrollment

After you voluntarily opt in, you may receive an SMS confirming your enrollment in the Medicare Advisors Insurance Group LLC SMS program.

The confirmation may identify Medicare Advisors Insurance Group LLC, disclose that message frequency varies, state that message and data rates may apply, and provide instructions for obtaining help or opting out.

Message Frequency

Message frequency varies depending on your interactions with us, appointments, scheduling activity, and customer-service needs.

There is no guaranteed or fixed number of messages.

Message and Data Rates

Message and data rates may apply.

Your mobile carrier’s standard messaging, data, and other charges may apply depending on your wireless service plan.

Medicare Advisors Insurance Group LLC is not responsible for charges imposed by your wireless carrier.

Opt Out

You may unsubscribe from the SMS program at any time by replying:

STOP

to a text message from Medicare Advisors Insurance Group LLC.

After we process your STOP request, you will no longer receive messages from this SMS program unless you subsequently opt in again.

You may receive a final confirmation message acknowledging your opt-out request.

Help

For assistance with the SMS program, reply:

HELP

to a text message from us.

You may also contact us at:

Email: info@mymedicareadvisors.com

Telephone: (877) 255-0284

Privacy and Mobile Information

Your mobile telephone number, SMS opt-in information, and SMS consent are handled in accordance with our Privacy Policy:

https://mymedicareadvisors.com/privacy-policy/

We do not sell, rent, or share your mobile telephone number, SMS opt-in information, or SMS consent with third parties or affiliates for their marketing or promotional purposes.

SMS consent provided to Medicare Advisors Insurance Group LLC is specific to Medicare Advisors Insurance Group LLC and is not transferred to another business for that business’s marketing or promotional use.

We may use service providers solely as necessary to deliver, operate, secure, or support our SMS messaging services.

Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

Delivery of SMS messages may be affected by factors outside our control, including carrier availability, mobile network conditions, device settings, or other technical issues.

Supported Carriers

Availability of SMS messaging may depend on your wireless carrier and mobile service.

Not all mobile devices or wireless carriers may support every messaging feature.

Consent Is Not a Condition of Purchase

Consent to receive SMS messages is voluntary.

Consent to receive SMS messages is not a condition of purchasing any goods or services or receiving services from Medicare Advisors Insurance Group LLC.

You may continue to contact us and receive services without enrolling in the SMS program.

By voluntarily selecting the SMS consent checkbox, you agree to receive the SMS messages described in this section from Medicare Advisors Insurance Group LLC at the mobile telephone number you provide.

21. Contact Information

If you have questions about these Terms, our Site, or our SMS messaging program, please contact us:

Medicare Advisors Insurance Group LLC

Mail:
3 Broad St
Elizabeth, NJ 07201

Email:
info@mymedicareadvisors.com

Telephone:
(877) 255-0284

Website:
https://mymedicareadvisors.com/

Privacy Policy:
https://mymedicareadvisors.com/privacy-policy/

Contact Us:
https://mymedicareadvisors.com/contact-us/

Medicare and Insurance Disclosure

Medicare Advisors Insurance Group LLC is a licensed insurance agency.

Medicare Advisors Insurance Group LLC is not affiliated with or endorsed by the United States government or the federal Medicare program.

We do not offer every plan available in your area. The information we provide is limited to those plans available through Medicare Advisors Insurance Group LLC in your area.

For information regarding all available Medicare options, please contact Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

The information provided on this Site has not been reviewed or endorsed by Medicare or the United States government.

Medicare Advisors Insurance Group LLC is not licensed in the State of Florida and does not conduct insurance business in Florida.