Terms of Service

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These Terms of Service ("Terms") govern your use of the Wade Family Insurance website and services provided by Corey Wade, a licensed insurance professional. By using our website or services, you agree to these Terms.

About Our Services

Licensed Insurance Professional

Corey Wade is a licensed insurance professional with National Producer Number (NPN) 21573605, licensed to sell insurance in the following states: Texas (TX), California (CA), Florida (FL), Indiana (IN), Iowa (IA), Kansas (KS), Maryland (MD), Michigan (MI), Ohio (OH), Virginia (VA), and Washington (WA).

Insurance Services

We provide insurance consultation, quote comparison, and enrollment assistance for:

• ACA (Affordable Care Act) health insurance plans
• Short-term medical insurance
• Dental and vision insurance
• Accident insurance
• Life insurance
• Supplemental insurance products

Website Use

Permitted Use

You may use our website to:

• Request insurance quotes and information
• Learn about available insurance products
• Contact us for insurance consultation
• Access educational resources about insurance

Prohibited Use

You may not use our website to:

• Provide false or misleading information
• Attempt to access unauthorized areas or data
• Upload harmful code or malware
• Violate any applicable laws or regulations
• Spam or harass other users or our staff

Insurance Information and Quotes

Quote Accuracy

Insurance quotes provided are estimates based on the information you provide. Final pricing and coverage details are determined by the insurance carrier and may differ from initial quotes.

No Guarantee of Coverage

Requesting a quote does not guarantee that coverage will be available or that you will qualify for specific plans. Insurance companies make final decisions on coverage and pricing based on their underwriting guidelines.

Professional Relationship

Agent-Client Relationship

By requesting quotes or services, you acknowledge that:

• Corey Wade acts as a licensed insurance agent
• He may receive compensation from insurance carriers for successful enrollments
• You are not required to purchase any insurance products
• You may work with other agents or purchase directly from carriers

Advice and Recommendations

Information and recommendations provided are based on our professional experience and the information you share with us. However:

• This is not legal or financial advice
• You should review all insurance documents carefully
• You are responsible for making final decisions about coverage
• You should consult other professionals for comprehensive financial planning

Communication and Consent

Contact Authorization

By providing your contact information, you consent to receive:

• Phone calls from Corey Wade regarding insurance options
• Text messages and emails about your insurance inquiry
• Follow-up communications about your coverage needs

Opt-Out Rights

You may opt out of communications at any time by:

• Replying "STOP" to text messages
• Clicking unsubscribe links in emails
• Calling (936) 209-4009 to request removal

Third-Party Relationships

Insurance Carriers

We work with multiple insurance carriers but are not employees of these companies. We represent you, the consumer, in finding appropriate coverage options.

Technology Partners

We use Healthcare Solutions Team (HST) for technology services and compliance support. Their services are governed by their own terms and privacy policy.

External Links

Our website may contain links to insurance carrier websites and other external sites. We are not responsible for the content or practices of these external websites.

Limitations and Disclaimers

Service Availability

Our services are only available in states where Corey Wade is licensed to sell insurance. We cannot provide insurance services in unlicensed states.

Website Availability

While we strive to maintain website availability, we cannot guarantee uninterrupted service. We may perform maintenance or updates that temporarily affect access.

Limitation of Liability

Our liability is limited to the extent permitted by law. We are not liable for:

• Decisions made by insurance carriers
• Changes in insurance regulations or availability
• Technical issues beyond our control
• Indirect or consequential damages

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

Compliance and Regulations

Insurance Regulations

Our business practices comply with:

• State insurance licensing requirements
• ACA marketplace regulations
• TCPA (Telephone Consumer Protection Act) requirements
• State privacy and data protection laws

Government Programs

This website is not connected with or endorsed by the U.S. Government or federal Medicare program.

Changes to Terms

We may update these Terms periodically. When we make changes, we will update the effective date and post the new Terms on our website. Continued use of our services after changes constitutes acceptance of the new Terms.

Governing Law

These Terms are governed by the laws of the state of Texas, where our business is primarily conducted, without regard to conflict of law principles.

Contact Information