Legal
Terms of Use
Effective September 8, 2026
Acceptance of these terms
These Terms of Use govern your use of the Healthcare Options Assessment and related pages provided by Legacy & Love Insurance Group. By using this website, you agree to these terms. If you do not agree, please do not use the website.
General information only
Website information and assessment results are provided for general informational purposes only. They are not legal, tax, medical, or financial advice and are not a recommendation of any particular insurance policy, carrier, or coverage option.
Not an insurance application or coverage
The assessment is not an insurance application. Completing it does not apply for, bind, issue, or create insurance coverage, and it does not create an insurer-insured relationship. Coverage exists only when all applicable requirements are satisfied and coverage is confirmed in official plan or policy documents.
No guarantees
Assessment results do not guarantee eligibility, benefits, pricing, savings, premium tax credits, subsidies, other financial assistance, a Special Enrollment Period, insurance approval, or the availability of any specific plan. Insurance availability and eligibility depend on individual circumstances, location, timing, applicable law, carrier rules, and program requirements.
Marketplace and government disclosure
Legacy & Love Insurance Group is not affiliated with or endorsed by the federal government or the Health Insurance Marketplace®. This website is not an official government or Health Insurance Marketplace website, and the assessment does not determine ACA or Marketplace eligibility.
Coverage decisions
Before making a coverage decision, consumers should review actual plan documents, policy terms, exclusions, limitations, provider networks, drug formularies, premiums, cost-sharing amounts, and eligibility requirements. Information on this website should not replace official documents or guidance from the applicable insurer or government program.
Permitted use
You may use this website only for lawful, personal purposes. You may not interfere with its operation, attempt unauthorized access, submit false or harmful content, or use automated means to misuse the website.
Website availability and accuracy
Reasonable efforts are made to keep the website useful and accurate, but information may be incomplete, become outdated, or contain errors. The website may be changed, suspended, or unavailable from time to time.
Limitation of liability
To the extent permitted by law, Legacy & Love Insurance Group is not liable for indirect, incidental, special, consequential, or punitive damages arising from use of, inability to use, or reliance on this website. Some jurisdictions do not allow certain limitations, so they may not apply to you.
Changes to these terms
These terms may be updated from time to time. Continued use after an update means you accept the revised terms. The effective date above identifies the latest version.
Contact us
Questions about these terms may be directed to:
Legacy & Love Insurance Group866.588.9950
info@legacyandlovegroup.com