These Terms and Conditions govern your access to and use of utfamilyinsurance.com, including its pages, forms, appointment tools, content, and related services.

The website is owned and operated by Utah Family Insurance Advisors, LLC.

By using the website, you agree to these Terms and Conditions. Do not use the website if you do not agree.

1. Informational Purpose

The website provides general information about insurance products and the services offered by Utah Family Insurance Advisors.

Website content is for informational purposes only and does not constitute:

-Legal advice

-Tax advice

-Financial-planning advice

-Medical advice

-A recommendation to discontinue current coverage

-A guarantee of insurance eligibility

-A binding insurance quote

-An insurance policy

-Confirmation that coverage is in force

You should review official policy documents, carrier materials, summaries of benefits, evidence-of-coverage documents, exclusions, limitations, and other applicable materials before making an insurance decision.

Age Eligibility

This website and its forms are intended for individuals who are at least 18 years old. By submitting information through the website, requesting insurance assistance, scheduling an appointment, or opting in to receive text messages, you represent that you are at least 18 years old and legally able to provide the requested consent.

A parent or legal guardian may provide information concerning a minor dependent when seeking insurance coverage for that dependent.

2. No Coverage Is Bound Through the Website

Submitting a form, sending an email, scheduling an appointment, receiving a preliminary quote, or speaking with an agent does not create or bind insurance coverage.

Coverage becomes effective only when:

-All required applications and documentation have been completed;

-The applicable carrier or plan has approved or accepted the enrollment or application;

-Required premiums have been paid; and

-The carrier has confirmed the effective date.

Do not cancel existing insurance until you have received written confirmation that replacement coverage is active.

Utah Family Insurance Advisors does not have authority to alter carrier terms or guarantee that a carrier will approve an application.

3. Quotes and Plan Information

Quotes, premium estimates, benefits, provider-network information, prescription-drug information, subsidies, tax credits, and plan availability may change.

Final pricing and eligibility may depend on factors including:

-Age

-Residence

-Household size

-Income

-Tobacco use

-Health or underwriting information

-Enrollment period

-Carrier requirements

-Government eligibility determinations

-Plan service area

-Effective date

-Information provided by the applicant

-A quote is not a contract or guarantee.

Carrier documents control if website content, verbal explanations, or preliminary quote information conflicts with the terms of an insurance policy or plan.

4. Accuracy of Your Information

You agree to provide complete, current, and accurate information.

You are responsible for reviewing applications before signing or submitting them. Incorrect or incomplete information may result in:

Incorrect quotes

-Loss of financial assistance

-Application denial

-Policy cancellation or rescission

-Delayed enrollment

-Claim denial

-Other adverse consequences

You must promptly notify us or the applicable carrier if submitted information changes or is incorrect.

5. Insurance Licensing and Availability

Insurance products are offered only in jurisdictions where Utah Family Insurance Advisors and the applicable agent are properly licensed and where the product is approved for sale.

The availability of website content does not constitute an offer to sell insurance in a jurisdiction where such an offer would be unlawful.

The Utah Insurance Department recommends that consumers verify that the person selling insurance is properly licensed for the applicable product.

6. Independent Insurance Agency

Utah Family Insurance Advisors is an independent insurance agency.

We may represent or have contracts with multiple insurance carriers, but we do not necessarily represent every carrier or every plan available in a market.

Compensation may be paid by insurance carriers or related organizations when a consumer enrolls in or purchases a product. Compensation arrangements may vary by product and carrier.

Our assistance does not guarantee that a particular product will be the lowest-cost or only suitable option available.

7. Medicare Disclaimer

Utah Family Insurance Advisors is not connected with or endorsed by the United States government or the federal Medicare program.

We do not necessarily offer every Medicare plan available in your area. Information we provide may be limited to plans we are contracted and licensed to offer.

For complete Medicare plan information, contact Medicare directly or review official Medicare resources.

Additional CMS-required disclaimers may need to be placed prominently on every Medicare-related landing page, advertisement, form, email, or other marketing communication. The exact language should be confirmed with the agency’s carriers or FMO because CMS requirements and carrier interpretations may change. CMS maintains current Medicare marketing guidance and standardized materials.

8. Marketplace and Subsidy Information

Any estimate of an Affordable Care Act premium tax credit, cost-sharing reduction, subsidy, or Marketplace eligibility is preliminary.

Final eligibility is determined by the applicable federal or state Marketplace or government agency.

You are responsible for supplying accurate household, income, tax-filing, residency, and eligibility information and for promptly reporting required changes.

Utah Family Insurance Advisors does not provide tax advice. Consult a qualified tax professional regarding the tax consequences of Marketplace subsidies.

9. Life-Insurance Information

Life-insurance illustrations and projections are estimates based on carrier assumptions and policy terms.

Some values, rates, dividends, interest-crediting amounts, or policy performance may not be guaranteed.

You should review the carrier’s official illustration and policy documents before purchasing coverage.

Coverage is subject to underwriting and carrier approval.

10. Provider and Prescription Information

Provider directories, formulary information, pharmacy networks, and drug costs can change.

Before enrolling, you should verify directly with:

-Your physician

-Medical facility

-Pharmacy

-Insurance carrier

-Plan administrator that providers, prescriptions, and facilities are covered under the specific plan and plan year being considered.

Utah Family Insurance Advisors is not responsible for errors in a carrier’s provider directory or formulary.

11. Electronic Communications

By submitting an inquiry, you authorize us to respond using the contact information you provide.

You understand that ordinary email and text messaging may not be secure. Do not send Social Security numbers, bank-account information, detailed medical records, or other highly sensitive information through unsecured email or text unless specifically instructed to do so using an approved secure method.

Electronic records and signatures may be used where allowed by law.

12. Text-Message Terms

When you expressly opt in, you agree to receive text messages from Utah Family Insurance Advisors at the telephone number you provide.

Messages may include responses to your insurance inquiry, quote follow-ups, requests for information needed to prepare a quote, appointment confirmations and reminders, and policy or customer-service updates.

By opting in to receive text messages, you confirm that you are at least 18 years old and are the owner or authorized user of the telephone number provided.

Message frequency varies. Message and data rates may apply. Reply STOP to unsubscribe at any time. Reply HELP for assistance, call 385-338-4920, or email [email protected].

Consent to receive text messages is not a condition of purchasing insurance or receiving assistance. You may still submit a quote request or contact us without agreeing to receive text messages.

Carriers are not responsible for delayed or undelivered messages. You represent that you are the owner or authorized user of the telephone number provided and agree to notify us if the number is reassigned.

For information about how we collect, use, and protect your information, please review our Privacy Policy.

13. Email Terms

You may receive emails concerning your request, appointment, quote, enrollment, service, or policy-related matter.

Where you consent to marketing email, you may also receive educational or promotional communications.

You may unsubscribe from marketing emails through the link in the email. Service and transactional emails may still be sent where appropriate.

14. Permitted Website Use

You may use the website only for lawful personal or legitimate business purposes.

You may not:

-Attempt to gain unauthorized access to the website or connected systems

-Introduce malware, harmful code, or automated attacks

-Scrape or harvest information without permission

-Misrepresent your identity

-Submit false or fraudulent information

-Interfere with website operation

-Copy or republish substantial website content without authorization

-Use website content to impersonate Utah Family Insurance Advisors

-Use the website in violation of any law

15. Intellectual Property

Website text, branding, logos, graphics, photographs, design, and other original content are owned by or licensed to Utah Family Insurance Advisors and are protected by applicable intellectual-property laws.

You may view and print limited website content for personal, noncommercial use. No other rights are granted without written permission.

Insurance carrier names, plan names, trademarks, and logos belong to their respective owners.

16. Third-Party Websites and Services

The website may contain links to carrier websites, government websites, quote platforms, enrollment systems, or other third-party services.

Third-party services are governed by their own terms and privacy policies.

Utah Family Insurance Advisors does not control and is not responsible for:

-Third-party content

-Third-party security

-Website availability

-Carrier systems

-Government systems

-Enrollment-platform errors

-Changes made by third parties

-A link does not necessarily constitute endorsement.

17. Website Availability

We may change, suspend, or discontinue any part of the website without notice.

We do not guarantee that the website will be continuously available, error-free, secure, or compatible with every device.

18. Disclaimer of Warranties

To the fullest extent permitted by law, the website and its content are provided on an “as is” and “as available” basis.

Utah Family Insurance Advisors disclaims warranties of merchantability, fitness for a particular purpose, accuracy, availability, noninfringement, and any warranties arising from course of dealing or usage.

Nothing in these Terms excludes a warranty or right that cannot legally be excluded.

19. Limitation of Liability

To the fullest extent permitted by law, Utah Family Insurance Advisors and its owners, agents, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from:

-Website use

-Inability to use the website

-Reliance on preliminary quotes

-Carrier decisions

-Government eligibility decisions

-Inaccurate information provided by a user

-Third-party websites

-Service interruptions

-Data transmission issues

-Changes in plans, premiums, networks, formularies, or benefits

Nothing in these Terms limits liability that cannot lawfully be limited.

20. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Utah Family Insurance Advisors, its owners, employees, agents, and contractors from claims, losses, liabilities, or expenses arising from:

-Your unlawful use of the website

-Information you knowingly submit that is false or misleading

-Your violation of these Terms

-Your infringement of another party’s rights

21. Governing Law and Venue

These Terms are governed by the laws of the State of Utah, without regard to conflict-of-law principles.

Subject to any law requiring otherwise, disputes arising from the website will be brought in a state or federal court with appropriate jurisdiction in Utah.

22. Changes to These Terms

We may update these Terms periodically by posting a revised version with a new effective date.

Continued use of the website after an update constitutes acceptance of the revised Terms.

23. Severability

If a provision is found unenforceable, the remaining provisions will remain in effect. The unenforceable provision will be interpreted as closely as legally permitted to its original purpose.

24. Entire Agreement

These Terms, together with the Privacy Policy and any applicable written insurance or enrollment documents, constitute the agreement governing use of this website.

Carrier policies, applications, enrollment documents, and official plan documents remain separate agreements and control insurance coverage.