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Terms & Conditions

Last Updated: January 1, 2026 · Governing Law: Florida

1. Acceptance of Terms

By accessing or using this website, you acknowledge that you have read, understood, and agreed to these Terms & Conditions and our Privacy Policy. If you do not agree with any portion of these terms, please discontinue use of the site immediately. These terms apply to all visitors, users, and anyone who accesses our services.

2. Nature of Our Service

Insurance Plan Offers is an independent insurance comparison platform and authorized reseller. We are NOT an insurance company, agency, or underwriter. Specifically:

  • We do not provide insurance advice as defined by applicable insurance laws.
  • We do not bind or issue insurance policies ourselves.
  • We connect customers with licensed agents and carriers.
  • Final coverage decisions are made exclusively by licensed carriers and agents.
  • We receive a referral fee for connecting you with carriers — our service is completely free.

3. No Insurance Advice

No content on this website constitutes professional insurance advice. All information provided is for general informational purposes only and does not represent a recommendation or endorsement of any specific product, carrier, or coverage. Please consult a licensed insurance professional for advice tailored to your individual circumstances.

4. No Liability for Third-Party Carrier Decisions

Insurance Plan Offers is not responsible or liable for the decisions third-party carriers make regarding acceptance, denial, pricing, or terms of any policy. Coverage availability, rates, and terms are determined solely by licensed carriers using their own underwriting criteria. We make no guarantees regarding the availability, suitability, or price of any insurance product.

5. Intellectual Property

This website and all its original content, features, and functionality are owned by Insurance Plan Offers and are protected by applicable intellectual property laws. Third-party trademarks displayed here, including Bristol West® and others, remain the property of their respective owners. Their display does not imply any affiliation or endorsement.

6. Limitation of Liability

To the fullest extent permitted by law, Insurance Plan Offers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this site or our services. Our total liability for any claim related to these terms shall not exceed $100.

7. TCPA Consent

By submitting a form or calling us, you expressly consent to receive phone calls, emails, and text messages from Insurance Plan Offers and our network of licensed carriers regarding insurance quotes and coverage — even if your number is on a Do Not Call list. Standard message and data rates may apply. This consent is not required to make a purchase, and you may opt out at any time.

8. Governing Law

These Terms & Conditions are governed by and construed under the laws of the State of Florida, without regard to its conflict-of-law principles. Any dispute arising under these terms shall be subject to the exclusive jurisdiction of the courts in Lee County, Florida.

9. Contact

For questions regarding these Terms & Conditions, please contact us at:

Insurance Plan Offers
2627 Mission St, San Francisco, CA 94110
Email: info@insuranceplanoffers.org
Phone: +1 877 838 5520
Hours: Mon–Fri, 8AM–8PM EST