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Important Notices and Disclosures

YOU SHOULD NOT CANCEL ANY HEALTH COVERAGE YOU CURRENTLY HAVE OR DECLINE COBRA BENEFITS UNTIL YOU: 1. RECEIVE WRITTEN CONFIRMATION OF AN APPROVAL AND A COPY OF YOUR INSURANCE POLICY/CONTRACT/CERTIFICATE; AND 2. ARE CERTAIN YOU HAVE REVIEWED THE EFFECTIVE DATE, PREMIUM AMOUNT, BENEFITS, AND ANY APPLICABLE WAITING PERIOD(S), AND ANY APPLICABLE LIMITATION(S) AND/OR EXCLUSION(S) AND/OR APPLICABLE PRE-EXISTING CONDITION LIMITATIONS AND THAT YOU UNDERSTAND AND ARE IN AGREEMENT WITH SAME. NOTE: THE ABOVE-REFERENCED QUOTES OR RATES ARE ESTIMATES ONLY. YOUR ACTUAL PREMIUM IS DETERMINED BY THE INSURANCE PLAN/CARRIER YOU SELECTED. YOUR PREMIUM AMOUNT IS SUBJECT TO CHANGE BASED ON YOUR MEDICAL HISTORY, THE UNDERWRITING PROCESS OF YOUR SELECTED INSURANCE PLAN/CARRIER, AND OTHER FACTORS, SUCH AS ANY CHANGES IN RATES WHICH MAY TAKE EFFECT BEFORE YOUR REQUESTED EFFECTIVE DATE (PLEASE NOTE THAT RATES ARE HIGHLY DEPENDENT ON AGE; THEREFORE, INCREASES CAN ARISE AS A RESULT OF YOU OR ONE OR MORE OF YOUR COVERED DEPENDENTS HAVING A BIRTHDAY PRIOR TO YOUR REQUESTED EFFECTIVE DATE). AGE LIMITS FOR DEPENDENTS VARY BY INSURANCE PLAN/CARRIER AND BY STATE REQUIREMENTS. SOME INSURANCE PLANS/CARRIERS MAY NOT EXTEND COVERAGE TO A DEPENDENT EVEN IF THE DEPENDENT IS A FULL-TIME STUDENT AT AN ACCREDITED COLLEGE OR UNIVERSITY. COPAYMENTS, DEDUCTIBLES AND ANY APPLICABLE COINSURANCE AMOUNT(S) ARE SUBJECT TO CHANGE AND ARE YOUR SHARE OF THE COST(S) FOR COVERED BENEFITS. YOU SHOULD ALWAYS CHECK WITH YOUR INSURANCE PLAN/CARRIER BEFORE USING SERVICES TO INSURE THAT ANY SERVICES YOU RECEIVE ARE AT AND WITH AN AUTHORIZED PROVIDER(S) (IE PHYSICIANS' OFFICE, HOSPITAL, MEDICAL FACILITY, ETC). PLEASE READ ALL OF THE FOLLOWING CAREFULLY. MAKE SURE THAT YOU UNDERSTAND AND AGREE TO ALL TERMS AND CONDITIONS PRIOR TO USING THIS WEBSITE. BY USING THIS WEBSITE YOU ARE ENTERING INTO A CONTRACT AND ACCEPTING ALL TERMS AND CONDITIONS SETFORTH HEREIN. YOU MUST BE 18 YEARS OF AGE TO USE THIS SERVICE. IF YOU DO NOT AGREE WITH ANY OF THE TERMS AND/OR DO NOT AGREE TO BE BOUND BY SAID TERMS, THEN DO NOT USE THIS WEBSITE. THIS WEBSITE IS OWNED AND OPERATED BY INSURANCE SERVICE ALLIANCE, INC., HEREINAFTER REFERRED TO AS "ISA". ISA DOES NOT ENDORSE ANY PARTICULAR INSURANCE PLAN AND/OR CARRIER. THIS WEBSITE IS PROVIDED ON AN "AS IS" BASIS AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. IN NO EVENT SHALL INSURANCE SERVICE ALLIANCE, INC. AND/OR ISA, ITS AGENTS, REPRESENTATIVES AND/OR LICENSORS BE LIABLE FOR ANY LOSS OR INJURY OR ANY DAMAGES RESULTING FROM YOUR USE OF THIS WEBSITE OR FROM YOUR USE OF INFORMATION OBTAINED FROM THIS WEBSITE. BY USING THIS WEBSITE, YOU AGREE TO WAIVE ANY AND ALL CLAIMS THAT MAY ARISE AGAINST INSURANCE SERVICE ALLIANCE, INC., ISA, ITS AGENTS, REPRESENTATIVES AND/OR LICENSORS. BY USING THIS WEBSITE YOU WARRANT THAT YOU ARE NOT IMPERSONATING ANY OTHER PERSON AND/OR ENTITY, THAT YOU ARE NOT SUBMITTING INFORMATION PERTAINING TO A THIRD PARTY WITHOUT THAT THIRD PARTY'S KNOWLEDGE AND CONSENT, THAT YOU ARE NOT SUBMITTING FALSE AND/OR MISLEADING INFORMATION, THAT YOU SHALL NOT ENGAGE IN ANY UNLAWFUL BEHAVIOR IN CONNECTION WITH THE USE OF THIS WEBSITE, AND THAT YOU SHALL NOT TAKE ANY ACTION WHICH INTERFERES WITH THIS WEBSITE AND/OR ISA (INCLUDING BUT NOT LIMITED TO UPLOADING OR ATTEMPTING TO UPLOAD A SYSTEM VIRUS). THIS WEBSITE MAY FEATURE LINKS TO OTHER WEBSITES OWNED AND OPERATED BY THIRD PARTIES. ISA IS NOT RESPONSIBLE FOR THE CONTENT OR SERVICES OF THESE THIRD PARTY WEBSITES/ENTITIES. YOU SHOULD READ AND AGREE TO THE TERMS AND CONDITIONS OF ANY THIRD PARTY WEBSITE PRIOR TO YOUR USE OF SAME. ISA RESERVES THE RIGHT TO DISCLOSE YOUR PERSONAL INFORMATION AS MAY BE REQUIRED BY LAW. ANY DISPUTES ARISING OUT OF YOUR USE OF THIS WEBSITE SHALL BE GOVERNED, CONSTRUED, AND ENFORCED IN ACCORDANCE WITH THE LAWS OF THE STATE OF FLORIDA APPLICABLE TO CONTRACTS ENTERED INTO AND TO BE PERFORMED ENTIRELY WITHIN THE STATE OF FLORIDA. VENUE FOR ANY JUDICIAL PROCEEDING RESULTING FROM YOUR USE OF THIS WEBSITE SHALL BE WITHIN THE STATE OF FLORIDA. BY USING THIS WEBSITE YOU ARE AUTHORIZING THE SHARING OF YOUR INFORMATION WITH OTHER THIRD PARTY ENTITIES WHO PROVIDE SERVICES THAT MATCH YOUR INQUIRY. BY SUBMITTING YOUR INFORMATION, YOU ARE ALSO AUTHORIZING ISA AND/OR OTHER THIRD PARTY ENTITIES TO CONTACT YOU DIRECTLY VIA EMAIL, VIA MAIL, AND/OR VIA TELEPHONE WITH INFORMATION PERTAINING TO YOUR INQUIRY. THEREFORE, YOU ARE EXPRESSLY CONSENTING TO RECEIVE EMAIL(S) AND/OR TELEPHONE CALL(S) REGARDLESS OF WHETHER YOU ARE REGISTERED WITH ANY FEDERAL AND/OR STATE "DO NOT CALL" AND/OR "DO NOT EMAIL" REGISTRY. ISA DOES NOT GUARANTEE THAT ANY OF THE INSURANCE PLAN(S)/CARRIER(S) TO WHOM ISA MAY FORWARD YOUR INFORMATION WILL AGREE TO INSURE YOU. ISA, ITS AGENTS, REPRESENTATIVES AND/OR LICENSORS ARE NOT RESPONSIBLE FOR THE CONDUCT OF SAID INSURANCE PLAN(S)/CARRIERS. SHOULD YOU HAVE ANY QUESTIONS OR CONCERNS, YOU CAN CONTACT US AT: INFO@INSURANCESERVICEALLIANCE.COM OR (877) 643-7795.