Please read these terms carefully before using our website or services.
Last updated:
By accessing or using the Vital Insurance Group, LLC ("Vital," "we," "us," or "our") website at vitalagents.com (the "Site"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the Site.
Vital Insurance Group is an independent health insurance agency. We help individuals and families compare and enroll in health insurance plans from multiple carriers. Our services include providing quotes, plan comparisons, and enrollment assistance for ACA Marketplace plans, private health plans (including United HealthOne from Golden Rule Insurance Company), Fixed Indemnity plans, and Short Term plans.
We are not an insurance company. We are licensed insurance agents and brokers who facilitate the sale of insurance products underwritten by third-party carriers. All insurance policies are subject to the terms, conditions, limitations, and exclusions of the issuing carrier.
Quotes, subsidy estimates, and plan information provided on this Site are for informational purposes only and are not binding. Actual premiums, benefits, eligibility, and coverage are determined by the insurance carrier and are subject to underwriting and applicable state and federal regulations. Subsidy estimates are based on the information you provide and may differ from your actual tax credit as determined by the Health Insurance Marketplace.
The content on this Site does not constitute medical, legal, tax, or financial advice. We provide information about health insurance options to help you make informed decisions. You should consult appropriate professionals for advice specific to your situation.
Not all plans available through our agency provide "minimum essential coverage" as defined by the Affordable Care Act. Fixed Indemnity and Short Term plans, for example, may have limitations, benefit caps, or pre-existing condition exclusions. United HealthOne plans are medically underwritten and are not ACA-compliant plans. We will clearly identify the type of plan being discussed and disclose any material limitations.
By submitting your information through any form on this Site, you grant Vital Insurance Group, LLC permission to contact you regarding health insurance plan costs and coverage details via the contact methods you provide (phone, email, or text/SMS).
If you opt in to TCPA consent, you provide prior express written consent to receive marketing communications from Vital Insurance Group, LLC via phone, email, or SMS/text. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help. This consent is not a condition of purchase, and you may revoke it at any time.
You agree to provide accurate, current, and complete information when using our forms, requesting quotes, or communicating with our agents. Inaccurate information may result in incorrect quotes, subsidy estimates, or coverage issues.
All content on this Site — including text, graphics, logos, images, and software — is the property of Vital Insurance Group, LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.
This Site may contain links to third-party websites, including insurance carrier websites, quoting platforms (such as HealthSherpa and UnitedHealthOne), and government resources. We are not responsible for the content, privacy practices, or accuracy of third-party sites. Your use of third-party sites is at your own risk and subject to their respective terms and conditions.
To the fullest extent permitted by law, Vital Insurance Group, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, reliance on information provided, or any insurance product purchased through our agency. Our total liability shall not exceed the amount of commissions received in connection with your specific enrollment, if any.
This Site and its content are provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
These Terms and Conditions are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any disputes arising from these terms shall be resolved in the courts of Florida.
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to this page. Your continued use of the Site after any changes constitutes acceptance of the updated terms.
If you have questions about these Terms and Conditions, please contact us:
Vital Insurance Group, LLC
Email: info@vitalagents.com
Phone: 888-939-8482