📄 Terms & Conditions

Effective Date: January 1, 2024

By using this website, you agree to the following terms:

1. No Guarantee of Coverage

Completing a form does not guarantee insurance coverage or agent representation. All offers are subject to underwriting and licensing requirements.

2. Educational Use Only

Content is provided for informational purposes and should not be considered legal or financial advice.

3. Consent to Contact

By submitting your contact information, you consent to be contacted by a licensed agent via phone, text, or email.

4. Intellectual Property

All content on this site is owned by Johnna Komara and may not be copied or reused without written permission.

5. Termination

We reserve the right to refuse service or contact to any person for any reason at any time.