By using fcinsurancesolutions.com you agree to these terms. They're written in plain English on purpose. If anything is unclear, call or text me at (786) 218-2384.
1. Who We Are
FC Insurance Solutions, LLC is a licensed health insurance agency based in Tampa, Florida, licensed in 31 states (NPN: 21032307). Owner and licensed agent: Frank Caballero. These terms cover your use of fcinsurancesolutions.com and its Spanish pages.
2. General Information Only
The guides, rate summaries, calculators and FAQs on this site are general information about health insurance. They are not legal, tax, medical or financial advice, and they are not a recommendation for your situation. Rules, prices and deadlines change, so confirm anything important with me or the official source before you act on it.
3. Not an Offer of Coverage
Nothing on this site is an offer, binder or contract of insurance. Coverage starts only if an insurer approves your application and issues a policy, and only on the terms of that policy. Private plans may ask health questions and can decline an application. Approval is never guaranteed.
4. Quotes and Estimates
Prices shown on this site, in the estimator or in a quote are estimates based on the information you give. Your final price depends on the insurer's review, your answers on the application, your ZIP code, ages, tobacco use and the plan you choose.
5. Who I Represent
I am an independent agent. I can only offer plans from the insurers I am appointed with, and I never claim to represent a company I don't. When a page mentions another company or program, it is for comparison and education only. I am not affiliated with or endorsed by any government agency, HealthCare.gov or the federal Marketplace. See Licenses and How Brokers Get Paid.
6. Your Information and Contact Consent
When you submit a form you agree that I may contact you by phone, text or email about your request, as described on the form. How I collect, use and protect your information is explained in the Privacy Policy. You can opt out of texts at any time by replying STOP.
7. Accuracy and Your Responsibility
Please give accurate, complete answers on any form or application. Wrong or missing information can change your price or lead an insurer to deny a claim or rescind a policy.
8. Links to Other Sites
This site links to government agencies, research sources and other sites so you can check facts yourself. I don't control those sites and I'm not responsible for their content or privacy practices.
9. Site Content
The writing, design and graphics on this site belong to FC Insurance Solutions, LLC. You may share links and quote short passages with credit. Please don't copy whole pages.
10. Limitation of Liability
The site is provided as is. To the extent the law allows, FC Insurance Solutions, LLC is not liable for losses that come from using the site or relying on its general information. Nothing here limits rights you have under insurance law or the terms of a policy.
11. Governing Law
These terms are governed by the laws of the State of Florida.
12. Changes to These Terms
I may update these terms. The "Last Updated" date at the top shows the latest version.
13. Contact
FC Insurance Solutions, LLC
Frank Caballero, Licensed Insurance Agent
Email: fcinsurancehealthadvisors@gmail.com
Phone: (786) 218-2384
Website: fcinsurancesolutions.com
These Terms of Use are provided as general information and does not constitute legal advice. FC Insurance Solutions recommends consulting with a licensed attorney for legal questions specific to your situation.