Effective Date: November 1, 2026
1. Acceptance of Terms
These Terms & Conditions govern your use of the website, online forms, scheduling tools, communications, and insurance services provided by Allcoverage Insurance, LLC ("the Agency," "we," "us," or "our").
By using our website or requesting our services, you agree to these Terms & Conditions to the extent permitted by applicable law.
2. Insurance Services
Allcoverage Insurance, LLC is an independent insurance agency providing assistance with insurance products, including ACA Marketplace health insurance, Medicare, life insurance, dental, vision, and other insurance services.
We act as an insurance intermediary and do not directly underwrite insurance policies.
Insurance availability, eligibility, benefits, premiums, effective dates, and coverage decisions are determined by the applicable insurance carrier, government program, or enrollment authority.
Insurance products and services are offered only where the Agency and its representatives are appropriately licensed and authorized.
3. Accuracy of Information
Clients are responsible for providing accurate, complete, and current information when requesting quotes, applying for insurance, or updating coverage.
Changes involving household members, income, address, dependents, eligibility, or other application information should be reported as required by the applicable insurance program.
Incomplete or inaccurate information may affect eligibility, premiums, financial assistance, or coverage.
4. Applications, Renewals, and Authorizations
Submitting an inquiry, completing an online form, or scheduling an appointment does not automatically enroll you in insurance coverage.
Insurance applications, renewals, and changes may require additional information, verification, consent, or authorization.
Allcoverage Insurance will obtain applicable client authorizations before performing activities requiring such authorization.
Marketplace and Medicare enrollment activities are subject to applicable program rules, consent requirements, and documentation standards.
5. Premium Payments and Coverage
Insurance premiums are generally established by the applicable insurance carrier or program.
Clients are responsible for paying required premiums by the applicable deadlines.
Failure to make required payments may result in termination, cancellation, or lapse of coverage in accordance with the applicable policy and law.
Coverage is not guaranteed until all applicable eligibility, enrollment, payment, and effective-date requirements have been satisfied.
6. Policy Changes and Cancellations
Requests to change, terminate, or cancel insurance coverage are subject to the applicable carrier's or program's procedures.
A request to stop receiving renewal reminders or promotional communications does not automatically cancel insurance coverage.
Clients should obtain confirmation of any requested policy cancellation or coverage change from the applicable carrier or enrollment authority.
7. SMS Messaging Terms
Allcoverage Insurance, LLC offers SMS text messaging to communicate with clients and individuals who have requested our services.
Non-Marketing Messages
With appropriate consent, we may send appointment confirmations, appointment reminders, insurance renewal notifications, enrollment updates, and customer service messages.
Marketing and Promotional Messages
With appropriate marketing consent, we may send information about insurance products, services, promotions, special offers, and agency announcements.
Messaging Terms
Message frequency varies.
Message and data rates may apply.
Reply STOP to opt out.
Reply HELP for assistance.
You may contact our office at 678-456-5563 or [email protected].
Consent to receive marketing messages is not required to purchase insurance products or services.
SMS consent may be withdrawn at any time.
We do not guarantee immediate delivery of text messages, as delivery may depend on wireless carriers and other service providers.
8. Email and Telephone Communications
We may communicate through telephone calls, email, text messaging, and other channels consistent with applicable law and your communication preferences.
Automated communication systems may assist with scheduling, reminders, and customer service.
Where applicable, calls may be recorded for quality assurance, training, and service documentation in accordance with applicable law.
9. Privacy and Confidentiality
We handle personal information according to our Privacy Policy and applicable privacy and insurance regulations.
Our Privacy Policy is available at:
https://go.allcoverageus.com/privacy-statement-4950
10. Third-Party Services
Our services may involve insurance carriers, government enrollment platforms, scheduling software, communication providers, and other third-party systems.
The Agency is not responsible for independent third-party decisions regarding insurance eligibility, underwriting, claims, or benefits.
11. No Guarantee of Coverage or Benefits
Insurance quotes and preliminary information are estimates or descriptions and do not constitute guarantees of coverage, eligibility, premiums, or benefits.
Final coverage terms are determined by the applicable policy, carrier, and governing program requirements.
12. Website Information
Information on our website is provided for general informational purposes.
It does not replace the official insurance policy, Summary of Benefits, Evidence of Coverage, or other controlling insurance documents.
13. Applicable Law
These Terms & Conditions are subject to applicable federal and state laws, insurance regulations, and consumer protections.
Nothing in these Terms is intended to waive rights or protections that cannot legally be waived.
14. Changes to Terms
We may update these Terms & Conditions to reflect changes in our services, business operations, or legal requirements.
Revised terms will be posted on our website with an updated effective date.
15. Contact Information
Allcoverage Insurance, LLC
Mailing Address: PO Box 1097, Conley, GA 30288
Phone: 678-456-5563
Email: [email protected]
Website: www.allcoverageus.com
For questions about these Terms & Conditions, please contact our office.