Insurance Terms and Conditions
Last Updated: May 8, 2025
Welcome to Mid-West Insurance Agency, LLC (“Company,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your use of our website, insurance services, eBook sales, and all online interactions. By accessing or using our website and services, you agree to be bound by these Terms.
1. Company Information
Mid-West Insurance Agency, LLC is a licensed insurance agency based in Parrish, Florida. We offer a variety of insurance products and informational resources through our website and licensed agents.
2. Insurance Products Offered
We offer the following insurance coverage:
Life Insurance: Term Life, Whole Life, Final Expense, Indexed Universal Life
Medicare-related Insurance: Medicare Advantage, Medicare Supplement, Part D
Specialty Coverage: Expat, Missionary, Students & Faculty, Travel Insurance
All insurance products are underwritten by third-party insurance companies. Mid-West Insurance Agency, LLC acts solely as a broker and facilitator.
3. E-Commerce and Digital Products
We offer eBooks and other digital materials for purchase. All sales of digital products are final, unless otherwise stated at the point of sale. By purchasing, you agree not to share, resell, or reproduce the content.
4. Premium Payments and Policy Issuance
Premiums for insurance policies must be paid according to the terms outlined in your specific policy agreement. Payment schedules and options may vary by carrier. We do not collect or retain premium funds directly unless explicitly stated.
5. Policy Cancellation and Refunds
Policies may be canceled in accordance with the issuing carrier’s terms. Refunds are subject to the policy’s refund rules and may not be available in all cases.
6. Claims Process
Claims must be filed with the insurance carrier underwriting the policy. While we may assist in the process, we do not make claims decisions or guarantee outcomes.
7. Data Collection and Privacy
When using our website or services, you may provide personal information (e.g., name, email, phone number) through contact forms, quote forms, or newsletter sign-ups. This data is used exclusively to provide services, respond to inquiries, or send relevant updates.
We do not sell your data. All data is stored securely in compliance with applicable laws. For more details, please refer to our [Privacy Policy].
8. Newsletter and Communications
By subscribing to our newsletter, you agree to receive occasional updates and promotional messages. You may unsubscribe at any time using the link included in each email.
9. Website Use
You agree to use our website only for lawful purposes. Unauthorized use—including spamming forms, tampering with the site, or attempting to breach security—is strictly prohibited.
10. Limitation of Liability
Mid-West Insurance Agency, LLC is not liable for any indirect, incidental, or consequential damages arising from the use of our site or services. Our liability is limited to the fullest extent permitted under Florida law.
11. Dispute Resolution and Governing Law
These Terms are governed by the laws of the State of Florida. Any disputes must be resolved through arbitration in Manatee County, Florida, unless otherwise required by law.
12. Modifications
We may update these Terms at any time. Updates will be posted with a revised effective date. Continued use of our site or services constitutes acceptance of the updated Terms.
13. Refund and Returns Policy
All eBook and digital product sales are final. Due to the nature of downloadable content, we do not offer refunds or exchanges once a purchase is completed.
Please ensure the product meets your needs before finalizing your purchase. If you encounter issues downloading your file or believe you received the wrong item, contact us at tammilopez@mwiallc.com for support.
We do not offer refunds on:
Downloadable digital content
Sale or promotional items
For all refund-related inquiries, email us at tammilopez@mwiallc.com.
14. Contact Information
For any questions about these Insurance Terms and Conditions or our services, please contact us:
Mid-West Insurance Agency, LLC
📧 Email: tammilopez@mwiallc.com
📞 Phone: 734-740-3997
📍 Based in Parrish, Florida
Visit our Contact Page for more options.