Terms and Conditions

1. Acceptance of Terms

By accessing or using the website of Personal Health Quote LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our website or services.

2. Description of Services

Personal Health Quote LLC is owned and operated by a Florida-licensed insurance agent. We help individuals and families find health and life insurance policies appropriate for their needs. We are not an insurance carrier and do not issue insurance policies directly. All insurance products are underwritten and issued by licensed insurance companies.

We are a private business. We are not a government agency and are not affiliated with any government program or health insurance exchange. We may be paid a commission by an insurance company when you enroll in a plan through us. This does not change the price you pay.

3. No Insurance Advice

The information provided on this website is for general informational purposes only and does not constitute professional insurance, legal, or financial advice. Coverage availability, pricing, and policy details vary by state, insurance company, and individual circumstances. Always review policy documents carefully before purchasing coverage.

4. Eligibility

Our services are available to people who are 18 years of age or older and who live in a state where we are licensed to sell insurance. By using our services, you represent that you meet these requirements.

5. Communications

When you submit your contact information, you ask Personal Health Quote to contact you about your insurance request. A licensed agent may call you at the number you provided, including with an automated dialing system, and may email you.

Text messages are separate and optional. We send text messages only if you check the text-message box on our form. Message and data rates may apply. Message frequency varies. Reply STOP to opt out, or HELP for help.

We do not sell your contact information, and we do not share your text-message consent with anyone. You can ask us to stop calling, texting, or emailing you at any time by telling the agent, replying STOP to a text, or emailing drema@personalhealthquote.net.

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Personal Health Quote LLC or its content suppliers and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

7. 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 implied 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.

8. Limitation of Liability

To the fullest extent permitted by law, Personal Health Quote LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services, including but not limited to loss of income, data, or goodwill.

9. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

10. Governing Law

These Terms and Conditions 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 disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Palm Beach County, Florida.

11. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective upon posting to the website. Your continued use of our services after any changes constitutes your acceptance of the new terms.

12. Contact Us

If you have questions about these Terms and Conditions, contact us: