Agreement
By using this website you agree to these terms. If you do not agree, please do not use the site. You can reach us at hello@harborlightbenefits.com, by phone at (727) 555-0241, or by mail at 2210 Central Avenue, Suite 4, St. Petersburg, FL 33712.
Use of this website
Content on this site is provided for general information. You agree not to misuse the site, attempt to gain unauthorized access, or copy content for commercial use without permission.
Quotes, estimates and bookings
Prices, estimates and availability shown online are indicative until confirmed in writing by our team. Final pricing depends on an assessment of your specific needs. Bookings are confirmed only when you receive a confirmation from us.
Cancellations
Please give us as much notice as possible if you need to cancel or reschedule. Any applicable cancellation terms will be explained when your booking is confirmed.
Limitation of liability
To the fullest extent permitted by law, we are not liable for indirect or consequential losses arising from use of this website. Nothing in these terms limits liability that cannot be limited by law.
Licensing and scope of advice
Harborlight Benefits is an independent insurance agency. Our agency and advisor licence numbers shown on this site are obvious placeholders for a demo website and are not real licence numbers. A real agency would display its state licence number and National Producer Number, which you can and should verify with the state regulator.
We provide insurance guidance only. We do not provide legal, tax or investment advice, and nothing on this website is an offer of coverage or a guarantee that any carrier will issue a policy to you.
Required Medicare notices
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Not affiliated with or endorsed by the U.S. government or the federal Medicare program.
How we are compensated
Our guidance is provided at no cost to you. We are compensated by the carriers whose plans we place, never by the people we advise.
Carrier compensation for insurance products is built into the filed premium, which means your premium is the same whether you enrol through us, through another agent, or directly with the carrier. We are not paid more to place one carrier over another on the same line of business.
Tools and sample figures on this site
The enrollment window calculator, the Advantage versus Supplement matrix, the Part D coverage stages tool and the Social Security break-even model are educational. They apply published rules to the inputs you give them, they do not know your personal record, and they do not produce a quote or a recommendation.
Every dollar figure, premium range, deductible, percentage, review count, rating and attendance number shown anywhere on this site is a sample figure created for a demo website. None of them is a quote, an offer, or a statement of what any plan will charge you.
Governing law
These terms are governed by the laws of the State of FL.
Required Medicare notices
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Not affiliated with or endorsed by the U.S. government or the federal Medicare program.