Welcome to HS Insurance Services (“HS Insurance Services,” “we,” “our,” or “us”). By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. If you do not agree with any portion of these terms, please discontinue use of this website.
This website is provided for general informational and educational purposes only. You agree to use this website in a lawful manner and in accordance with all applicable federal, state, and local laws.
You agree not to:
Use this website for any unlawful, fraudulent, or unauthorized activity.
Attempt to gain unauthorized access to any part of the website, servers, databases, or related systems.
Copy, reproduce, modify, distribute, publish, or exploit any website content without prior written permission from HS Insurance Services.
Information available on this website does not create an insurance policy, insurance binder, contractual agreement, or guarantee of coverage. Insurance coverage is available only after approval by the applicable insurance carrier, successful underwriting (when required), and issuance of an official policy.
HS Insurance Services operates as an independent insurance agency. We work with multiple insurance carriers but do not issue insurance policies, perform underwriting, or make claims decisions. All policy approvals, underwriting determinations, coverage decisions, and claims payments are made solely by the issuing insurance carrier.
We make reasonable efforts to keep the information on this website current and accurate. However, HS Insurance Services does not guarantee that all content is complete, accurate, or up to date. Insurance products, premiums, eligibility requirements, and coverage options may change without prior notice.
All content displayed on this website, including text, graphics, logos, images, icons, branding, layouts, and design elements, is the property of HS Insurance Services unless otherwise stated. Unauthorized copying, reproduction, distribution, or commercial use of any website content is strictly prohibited.
HS Insurance Services shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages resulting from the use of, or inability to use, this website or any information contained within it.
This website may include links to third-party websites for your convenience. HS Insurance Services does not control, endorse, or accept responsibility for the content, privacy practices, security, or availability of any external websites.
These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the United States and any applicable state laws, without regard to conflict of law principles.
HS Insurance Services reserves the right to revise or update these Terms & Conditions at any time without prior notice. Continued use of this website following any changes constitutes your acceptance of the updated Terms & Conditions.
HS Insurance Services provides personalized health and life insurance solutions with trusted guidance for individuals, families, and businesses across the United States.
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