Effective Date: October 21, 2025
Our agency helps people find and purchase insurance coverage from various insurance companies. We act as an intermediary between you and the insurance carriers, which means we present options and guide you through the selection process, but the actual insurance contract is between you and the carrier you choose. When you ask us for help with insurance, you're agreeing to provide accurate information so we can get you proper quotes and coverage.
You must be at least eighteen years old to enter into insurance contracts through our agency. If you're looking for coverage for a minor, you'll need to be the legal guardian or parent. We reserve the right to verify your identity and eligibility before proceeding with any insurance applications.
Insurance pricing and eligibility depend heavily on the information you provide. When you share details about yourself, your property, your vehicle, or your health, you're responsible for making sure everything is truthful and complete. If you accidentally provide incorrect information, let us know right away so we can update your records and ensure your coverage is appropriate.
Intentionally providing false information can have serious consequences, including policy cancellation or denial of claims. Insurance companies take accuracy very seriously, and so do we. We're here to help you present your information properly, but the responsibility for truthfulness ultimately rests with you.
We work hard to find you suitable insurance options and provide guidance throughout the process. However, we can't guarantee that every insurance company will accept your application or offer you coverage at a specific price. Insurance carriers make their own underwriting decisions based on their internal guidelines and risk assessments.
Our recommendations are based on the information you provide and our professional judgment, but the final decision about which policy to purchase is always yours. We encourage you to review all policy documents carefully and ask questions if anything is unclear. While we strive to explain coverage accurately, the actual policy contract from the insurance company is the definitive source for what's covered and what's not.
When you purchase insurance through our agency, you'll pay premiums directly to the insurance company according to their billing schedule. We receive compensation from the insurance carriers for policies we help place, which is how we stay in business. This commission structure is standard in the insurance industry and doesn't increase your premium costs.
If we charge any direct fees for our services, we'll tell you about them upfront before you agree to anything. Most of our services are provided at no additional cost to you beyond your regular insurance premiums. Payment terms, refund policies, and cancellation procedures are determined by the insurance company whose policy you purchase, not by our agency.
Our website provides information about insurance options and allows you to contact us or submit information online. When you use our site, you agree not to do anything that could harm our systems, interfere with other users, or violate any laws. This includes things like attempting to hack our website, spreading viruses, or scraping our content without permission.
The information on our website is meant to be helpful and educational, but it shouldn't be considered legal or financial advice. Insurance needs vary greatly between individuals, which is why we encourage you to speak with us directly about your specific situation rather than relying solely on general website content.
Once you have an insurance policy in place, any changes to your coverage need to go through the proper channels. Contact us if you need to update your policy, and we'll work with the insurance company to process your request. Keep in mind that some changes might affect your premium or require underwriting approval.
You're responsible for keeping your policy current and making sure it continues to meet your needs as your life circumstances change. If you move, buy a new car, make major home improvements, or experience other significant life events, reach out to us so we can review whether your coverage needs adjustment.
If you need to cancel an insurance policy, the cancellation process and any potential refunds are handled according to the insurance company's policies, not ours. Most carriers allow cancellations, but the specifics vary by company and policy type. Some policies have short-rate cancellation penalties, while others offer pro-rata refunds. We can explain your options and help process the cancellation, but we don't control the refund terms.
If you cancel during a free-look period that some policies offer, you're typically entitled to a full refund. We'll make sure you understand any free-look provisions when you purchase coverage so you know your options if you change your mind.
We do our best to serve you well, but we need to be clear about the limits of our responsibility. We're not liable for decisions made by insurance companies regarding underwriting, claims, or coverage disputes. If an insurance company denies a claim or cancels a policy, that's between you and them, though we're happy to help facilitate communication.
We're also not responsible for losses that result from delays in processing applications, errors made by insurance companies, or circumstances beyond our control like natural disasters or technology failures. Our liability for any mistakes we make is limited to the commissions we earned on the policy in question.
We take your privacy seriously and handle your personal information according to our privacy policy. By using our services, you consent to our collection and use of information as described in that policy. We only share your information with insurance companies and service providers who need it to help you get coverage or maintain your policies.
You have the right to request access to the personal information we have about you and to ask us to correct any errors. If you have questions about how we handle your data, our privacy policy provides more detailed information, or you can contact us directly.
When you provide us with your contact information, you're giving us permission to reach out regarding insurance matters. This might include quotes you requested, policy renewals, important updates about your coverage, or occasional information about new insurance products we think might interest you. You can opt out of marketing communications anytime, though we'll still need to contact you about essential policy matters.
We may communicate with you by phone, email, text message, or mail depending on your preferences and the nature of the communication. If your contact information changes, please update us promptly so we can continue serving you effectively.
If any disagreements arise between you and our agency, we hope to resolve them through friendly discussion. Most issues can be worked out with a simple phone call or meeting. If we can't reach a resolution informally, disputes will be handled according to the laws of Missouri, where our agency is located.
For disputes with insurance companies regarding claims or coverage, you'll need to follow their dispute resolution procedures, which are outlined in your policy documents. We can provide guidance and support during that process, but we can't force an insurance company to make a particular decision.
We may update these terms and conditions from time to time to reflect changes in our business practices or legal requirements. When we make significant changes, we'll post the updated terms on our website and note the new effective date. Your continued use of our services after changes are posted means you accept the updated terms.
We encourage you to check this page periodically, especially before engaging our services for new insurance needs. If you disagree with any changes we make, you can choose not to use our services going forward, though existing policies won't be affected by your decision.
If you have questions about these terms or need clarification on anything, please reach out to us. You can call our office at +1 (816) 310-0393 or send an email to [email protected]. We're here to help and want to make sure you understand your rights and responsibilities when working with our agency. Clear communication is important to us, and we're always happy to explain anything that seems confusing or answer concerns you might have.