Important Disclaimers

Welcome to Fika Insurance Group! We’re here to help you navigate the world of Medicare, Health Insurance, and Life Insurance. Below, you’ll find important information about the services we offer and what you should know when using our website.

1. General Information

For Your Awareness: The information on our website is intended to help you understand your insurance options, but it’s not a substitute for professional advice. If you have specific questions, we recommend speaking with one of our licensed insurance agents.

Coverage Details: Please note that the descriptions of insurance products on our site do not guarantee coverage. Your coverage will begin only after you complete the application process and it’s approved by the insurance company.

Information Accuracy: We strive to keep all information up to date, but things can change. Please double-check any details with us or directly with your insurance provider.

2. Compliance and Non-Discrimination

Licensing: Fika Insurance Group, LLC is licensed as an insurance agency and complies with all applicable federal civil rights laws.

Non-Discrimination: We do not discriminate based on race, color, national origin, ancestry, religion, sex, marital status, gender, gender identity, sexual orientation, age, or disability. We are committed to providing equal access to our services for all individuals.

Federal Compliance: We comply with all applicable federal laws, including those established under 45 CFR 155.220(c) and (d) and 45 CFR 155.260, which are designed to protect the privacy and security of your personally identifiable information.

3. Medicare Disclaimers

Our Relationship with Medicare: We’re here to help you explore your Medicare options, but we are not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Medicare Plan Options: We do not offer every plan available in your area. Currently, we represent 10 organizations which offer approximately 25 Medicare products in the states we serve, including South Carolina, North Carolina, Georgia, Florida, Tennessee, Texas, Colorado, Ohio, Maine, Maryland, Indiana, and Pennsylvania. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

Enrollment Requirements: To join a Medicare Advantage plan, you must already be enrolled in Medicare Part B.

How We Contact You: By providing your information, you’re giving us permission to reach out to you by phone, email, or text to discuss your Medicare options. This is considered a solicitation for insurance.

4. Health Insurance Disclaimers

Plan Availability: Health insurance plans vary by state, and not all plans are available everywhere. We’ll help you find the best options available in your location.

Coverage for Pre-existing Conditions: Coverage for pre-existing conditions may vary depending on your state and the specific health plan. It’s important to review your plan details carefully.

Qualified Health Plans (QHPs): This website may not display all data on Qualified Health Plans (QHPs) being offered in your state through the Health Insurance Marketplace® website. To see all available data on QHP options in your state, please visit HealthCare.gov.

Short-Term Insurance: Short-term health plans are designed for temporary coverage and may not cover pre-existing conditions. They also don’t comply with the Affordable Care Act (ACA) standards, so please review the policy details to understand what’s covered.

5. Life Insurance Disclaimers

Approval Process: Life insurance coverage is not guaranteed. Your application will go through an approval process, and not everyone will qualify for coverage.

Policy Details: Each life insurance policy has specific terms, conditions, and exclusions. We encourage you to read your policy documents thoroughly to understand what is and isn’t covered.

Investment Risks: If you’re considering a variable life insurance policy, please be aware that the cash value and death benefit can change based on market performance.

6. Privacy Policy

Your Data: We care about your privacy. When you provide us with personal information, you agree to our collection and use of that data according to our privacy policy.

Sharing Your Information: We may share your information with insurance companies and agents to help you get the services you need. If you’re in California, you have specific rights under the California Consumer Privacy Act (CCPA) regarding your data.

7. Legal Information

Not Legal Advice: The content on our website isn’t legal advice. For legal matters, we suggest consulting with a qualified attorney.

Our Responsibility: While we aim to provide helpful information, we can’t be held responsible for any losses or damages from using our website or relying on the information here.

8. Advertising and Third-Party Content

Affiliate Links: Some of the links on our site are affiliate links, meaning we may earn a commission if you make a purchase through them. This helps us keep our services running.

Third-Party Websites: We may link to third-party websites for your convenience. We’re not responsible for the content or services on these external sites.

9. Compliance with Regulations

State and Federal Laws: We follow all relevant state and federal regulations to ensure that your experience with us is safe, secure, and compliant with the law.

10. How to Reach Us

Contact Us: Have questions? Our customer service team is here to help. You can reach us in the following ways:

We’re available to assist you with any inquiries about your insurance options.

11. The Purpose of This Site

Insurance Solicitation: The purpose of this website is the solicitation of insurance. You may be contacted by an insurance agent/producer as a result of interacting with this site.

12. Updates to This Page

Changes to Disclaimers: We may update these disclaimers from time to time. We encourage you to review this page regularly to stay informed about any changes.