Terms & Conditions

Effective Date: August 4, 2026

By accessing or using this website, you agree to these Terms and Conditions. If you do not agree with these terms, please do not use this website.

Website Information

The information provided on this website is for general educational and informational purposes only. Although we strive to keep the information accurate and up to date, Medicare rules, insurance plans, premiums, provider networks, and benefits may change without notice.

Nothing on this website should be considered legal, tax, financial, or medical advice.

No Guarantee of Coverage or Eligibility

Insurance coverage, premiums, benefits, provider participation, and plan availability vary by individual circumstances and may change from year to year. Eligibility and enrollment are subject to applicable federal and state laws and insurance company requirements.

No Client Relationship
Using this website, submitting a contact form, or requesting information does not establish an agent-client relationship. An agent-client relationship begins only after we have agreed to work together and any required enrollment or appointment procedures have been completed.

Nature of Our Services
Our goal is to provide honest, impartial recommendations based on your individual needs and preferences. Unless otherwise required by applicable law or a separate written agreement, however, our services are provided as those of a licensed insurance agent and not as a fiduciary. Nothing in these Terms and Conditions creates a fiduciary relationship between you and Andrew Shea.

Accuracy of Information
We make every reasonable effort to provide accurate information. However, we do not guarantee that all content is complete, current, or free of errors. Visitors should verify important information before making insurance decisions.

Intellectual Property
All content on this website, including text, graphics, logos, images, and other materials, is the property of Andrew Shea unless otherwise noted and may not be copied, reproduced, or distributed without prior written permission.

Third-Party Websites

This website may contain links to third-party websites for your convenience. We do not control or endorse the content of those websites and are not responsible for their accuracy, privacy practices, or availability.

Limitation of Liability
To the fullest extent permitted by law, Andrew Shea shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this website or your reliance on information provided on this website.

Changes to These Terms

These Terms and Conditions may be updated from time to time without prior notice. Changes become effective when they are posted on this page.

 

Governing Law

These Terms and Conditions are governed by the laws of the State of Missouri, without regard to its conflict of law principles.

Contact Information

If you have questions about these Terms and Conditions, please contact:

Andrew Shea
3660 S. Geyer Rd., Ste. 190
Saint Louis, MO 63127
Phone: 636-495-1180