TERMS OF SERVICE - IGAIG Insurance
Last Updated: March 5, 2026
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1. Acceptance of Terms
By accessing or using the services of IGAIG Insurance ("we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
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2. Description of Services
IGAIG Insurance provides insurance brokerage services, specializing in Medicare plans. Our services include:
• Medicare plan comparisons and quotes
• Insurance enrollment assistance
• Consultations and advisory services
• SMS and email communications regarding insurance options
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3. SMS Messaging Terms
3.1 Consent to Receive Messages
By providing your mobile phone number to IGAIG Insurance, you expressly consent to receive SMS text messages regarding:
• Medicare Open Enrollment deadlines and reminders
• Insurance plan information and updates
• Appointment confirmations and reminders
• Important insurance-related notifications
3.2 Message Frequency
Message frequency varies throughout the year. You may receive more messages during Medicare enrollment periods (October-December for Annual Enrollment, January-March for Open Enrollment).
3.3 Message and Data Rates
Standard message and data rates may apply based on your wireless carrier plan. IGAIG Insurance is not responsible for any charges from your carrier.
3.4 Opt-Out Instructions
You may opt out of SMS messages at any time by:
• Replying "STOP" to any text message
• Contacting us at 408-799-8577
• Emailing md@igaig.com
Upon opt-out, you will receive a confirmation message, and we will cease sending SMS messages to your number unless you opt back in.
3.5 Help Instructions
For help or support regarding SMS messages, reply "HELP" to any message or contact us at 408-799-8577.
3.6 Supported Carriers
SMS services are available through most major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and their subsidiaries. Carrier availability and message delivery are not guaranteed.
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4. Insurance Services
4.1 Not Insurance Advice
Information provided by IGAIG Insurance is for educational purposes only and does not constitute legal, tax, or insurance advice. We recommend consulting with qualified professionals for your specific situation.
4.2 No Guarantee of Coverage
We do not guarantee approval for any insurance plan. Final eligibility and coverage determinations are made by insurance carriers.
4.3 Licensing
IGAIG Insurance is a licensed insurance agency. Our agents hold appropriate state licenses for the products we offer. License information available upon request.
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5. User Responsibilities
You agree to:
• Provide accurate and complete information
• Notify us of changes to your contact information
• Use our services in compliance with applicable laws
• Not misuse or abuse our communication systems
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6. Privacy
Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
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7. Limitation of Liability
To the maximum extent permitted by law, IGAIG Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
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8. Indemnification
You agree to indemnify and hold harmless IGAIG Insurance from any claims, damages, or expenses arising from your use of our services or violation of these terms.
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9. Governing Law
These Terms of Service shall be governed by the laws of the State of California, without regard to its conflict of law provisions.
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10. Changes to Terms
We may modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services constitutes acceptance of the updated terms.
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11. Termination
We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and with or without notice.
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12. Contact Information
md@igaig.com
