TERMS AND CONDITIONS
Last Updated: September 22, 2026
Welcome to the Advantage 1 Insurance website. These Terms and Conditions (“Terms”) govern your access to and use of this website and any related online services provided by Advantage 1 Insurance (“Advantage 1,” “we,” “us,” or “our”).
By accessing or using this website, submitting information through the website, scheduling an appointment, or using our online services, you agree to these Terms.
If you do not agree with these Terms, please do not use this website.
1. About Advantage 1 Insurance
Advantage 1 Insurance is an independent insurance agency providing educational information and services related to retirement planning topics, including Social Security, Medicare, health and life insurance, retirement income considerations, and other insurance-related products and services.
Services and insurance products are available only where Advantage 1 and its agents are appropriately licensed and authorized to conduct business.
Availability of insurance products, carriers, plans, benefits, premiums, eligibility requirements, and services varies by state, county, ZIP code, individual circumstances, and carrier requirements.
2. Educational Information Only
Information provided on this website is intended for general educational and informational purposes.
Website content should not be considered individualized financial, investment, legal, accounting, tax, medical, Social Security, Medicare, or insurance advice.
Retirement, Social Security, Medicare, tax, healthcare, and insurance decisions depend upon an individual's circumstances. You should consult the appropriate licensed or qualified professional when advice outside Advantage 1's professional licensing or scope of services is required.
Information presented on this website may not apply to every individual or situation.
3. Social Security Information
Advantage 1 may provide Social Security education, analysis, reports, and discussions regarding claiming strategies, retirement benefits, spousal benefits, family benefits, survivor benefits, and other Social Security considerations.
Advantage 1 is not affiliated with, endorsed by, or employed by the Social Security Administration or any other government agency.
Any Social Security analysis or report is intended to help individuals better understand their options. Estimates and projections are based upon information available at the time of the analysis and information provided by the individual.
Actual Social Security eligibility and benefit amounts are determined solely by the Social Security Administration.
Nothing on this website guarantees a particular Social Security benefit, outcome, or claiming result.
4. Medicare Information and Disclaimer
Advantage 1 is an independent insurance agency and is not affiliated with or endorsed by Medicare, the Centers for Medicare & Medicaid Services, Social Security, or any other government agency.
Medicare information provided through this website is educational in nature. Individual eligibility, benefits, costs, provider networks, formularies, coverage, and plan availability may vary.
We do not offer every plan available in your area. Currently, we represent 20 organizations that may offer products in your area, and those products vary by ZIP code and the states in which we are licensed.
Please visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227) to learn about all of your Medicare options.
Medicare plans, benefits, premiums, provider networks, formularies, and other plan features may change from year to year. Information on this website should therefore not be relied upon as a substitute for current plan documentation or an individualized plan review.
Enrollment in a Medicare plan is subject to Medicare eligibility requirements, applicable election periods, plan availability, carrier approval, and CMS requirements.
5. Insurance Products and Enrollment
Descriptions of insurance plans, benefits, premiums, or other product features on this website are summaries only and may not contain every term, condition, exclusion, limitation, or eligibility requirement.
The insurance carrier's official policy, Evidence of Coverage, Summary of Benefits, contract, formulary, provider directory, or other governing plan documents control if there is a difference between information appearing on this website and the carrier's official documents.
Submitting an application does not guarantee that insurance coverage will be issued or become effective.
Coverage becomes effective only when all applicable requirements have been satisfied and the insurance carrier or appropriate organization confirms the coverage and effective date.
Advantage 1 does not guarantee acceptance, eligibility, approval, premiums, benefits, provider participation, prescription drug coverage, or any other insurance outcome.
6. No Professional Relationship Created by Website Use
Using this website, reading website content, downloading materials, submitting a contact form, or scheduling an appointment does not by itself create an advisory, fiduciary, legal, tax, financial-planning, or insurance-client relationship.
Any professional relationship will depend upon the services requested, applicable licensing requirements, information exchanged, and any additional agreements or documentation required for those services.
7. Retirement and Financial Information
Website discussions regarding retirement income, Social Security timing, insurance strategies, annuities, retirement distributions, taxes, or related subjects are provided for educational purposes and within the scope of Advantage 1's applicable licenses and services.
Nothing on this website should be interpreted as a guarantee of investment results, retirement income, tax savings, asset growth, or protection against every financial risk.
Where a matter requires securities, investment advisory, legal, accounting, or tax advice outside the scope of services provided by Advantage 1, you should consult an appropriately licensed professional.
8. Information You Provide
You agree that information you provide to Advantage 1 will be accurate and complete to the best of your knowledge.
Insurance, Social Security, Medicare, and retirement analyses can depend heavily on the accuracy of the information supplied. Advantage 1 is not responsible for errors or conclusions resulting from inaccurate, incomplete, or outdated information provided by a user.
Please notify us if information relevant to your situation changes.
9. Protecting Sensitive Information
Please do not send Social Security numbers, Medicare identification numbers, banking information, medical records, passwords, or other highly sensitive information through an unsecured website contact form, standard email, or other unsecured communication channel unless specifically instructed to use an approved secure method.
When sensitive information is necessary, Advantage 1 may provide instructions for an appropriate secure method of transmission.
Our collection and use of personal information is also governed by our Privacy Policy.
10. Appointments and Contact Requests
When you voluntarily submit a contact form, request information, call us, email us, or schedule an appointment, you authorize Advantage 1 or a member of our team to contact you regarding your request, appointment, or services in which you have expressed interest.
You are under no obligation to purchase or retain our services or purchase an insurance product simply because you contacted us or scheduled an appointment.
Scheduling an appointment does not guarantee eligibility for a particular product, benefit, plan, or service.
11. Email and Text Communications
If you provide an email address, Advantage 1 may use that address to respond to your inquiry, provide requested information, communicate regarding appointments or services, and send other communications for which you have provided appropriate permission.
If Advantage 1 offers text-message communications, any marketing text-message consent will be obtained separately when required. Consent to receive marketing text messages is not a condition of purchasing insurance or other services.
Message and data rates may apply to text communications depending on your wireless carrier and service plan.
You may unsubscribe from marketing communications using the instructions provided in the applicable communication.
12. Online Scheduling and Third-Party Services
This website may use third-party services for appointment scheduling, forms, customer relationship management, payment processing, video, document delivery, insurance quoting, or other business functions.
When you use a third-party service, your use may also be subject to that provider's terms of service and privacy practices.
Advantage 1 is not responsible for the availability, security, accuracy, or practices of unaffiliated third-party websites or services.
13. Third-Party Links
This website may contain links to third-party websites, including government agencies, insurance carriers, healthcare providers, financial resources, or other organizations.
These links are provided for convenience and informational purposes.
A link does not necessarily mean Advantage 1 endorses, controls, or guarantees the information, products, services, security, or privacy practices of the third-party website.
Users should review the terms and privacy policies of third-party websites independently.
14. Website Accuracy and Updates
Advantage 1 makes reasonable efforts to provide accurate and useful information. However, laws, regulations, Social Security rules, Medicare requirements, insurance products, premiums, benefits, provider networks, formularies, tax rules, and other information can change.
We do not guarantee that every page of the website will always be complete, current, or free of errors.
Website content may be updated, corrected, removed, or revised without notice.
Before making an important decision, users should verify information that could have changed and, where appropriate, obtain an individualized review.
15. No Guarantees
Advantage 1 does not guarantee:
Eligibility for Social Security or Medicare benefits;
A particular Social Security benefit amount;
Acceptance into an insurance plan;
Availability of a particular insurance carrier or product;
Specific premiums, benefits, provider participation, or prescription coverage;
Financial, tax, investment, healthcare, or retirement outcomes; or
That use of our services will prevent every potential financial or enrollment mistake.
Our role is to provide education, guidance, and insurance services within the scope of our professional licenses and applicable law.
16. Paid Services
Certain Advantage 1 consultations, analyses, reports, or other services may require payment.
Pricing, payment terms, rescheduling policies, cancellation terms, and any applicable refund provisions will be disclosed at the time the service is purchased or scheduled.
Purchasing an educational or advisory service does not require the purchase of an insurance product unless specifically disclosed and permitted by applicable law.
17. Intellectual Property
Unless otherwise stated, the text, graphics, logos, reports, educational materials, videos, downloadable resources, website design, and original content appearing on this website are owned by or licensed to Advantage 1.
You may use website materials for your own personal, noncommercial informational purposes.
You may not reproduce, distribute, modify, sell, republish, or commercially exploit Advantage 1 materials without prior written permission, except where permitted by law.
Third-party trademarks, logos, carrier materials, and government-related marks remain the property of their respective owners.
18. Acceptable Use
You agree not to:
Use this website for unlawful or fraudulent purposes;
Attempt to gain unauthorized access to the website or its systems;
Interfere with website security or operation;
Introduce malicious software or harmful code;
Misrepresent your identity;
Harvest or collect information about other users;
Copy or exploit website materials in violation of intellectual-property rights; or
Use the website in a manner that could harm Advantage 1, its clients, carriers, service providers, or other users.
We reserve the right to restrict website access when reasonably necessary to protect our systems, business, users, or legal rights.
19. Website Availability
We may change, suspend, discontinue, or restrict portions of this website at any time.
We do not guarantee uninterrupted access to the website or that the website will always be free from technical errors, viruses, outages, or other problems beyond our reasonable control.
20. Limitation of Liability
To the fullest extent permitted by applicable law, Advantage 1 and its owners, employees, agents, and representatives will not be liable for indirect, incidental, special, consequential, or similar damages resulting from the use of, or inability to use, this website or reliance on general website information.
Nothing in these Terms is intended to eliminate or restrict liability that cannot legally be limited or excluded under applicable law.
21. Privacy
Your privacy is important to us.
Our collection, use, retention, and protection of personal information submitted through this website are addressed in our separate Privacy Policy.
The Privacy Policy should be reviewed together with these Terms and Conditions.
22. Children
This website and Advantage 1's services are intended for adults. The website is not directed toward children under 18, and we do not knowingly solicit personal information from children through this website.
23. Changes to These Terms
Advantage 1 may revise these Terms periodically to reflect changes in our services, technology, business practices, or legal and regulatory requirements.
The revised Terms will be posted on this website with an updated “Last Updated” date.
Your continued use of the website after revised Terms are posted constitutes acceptance of the revised Terms to the extent permitted by applicable law.
24. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.
To the extent permitted by applicable law, disputes relating to these Terms or use of this website will be handled in the appropriate courts serving Hillsborough County, Florida, unless applicable law requires otherwise.
25. Severability
If any portion of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.
26. Contact Us
Questions concerning these Terms and Conditions may be directed to:
Advantage 1 Insurance
Riverview, Florida
Phone: [813-817-3300]
Email: [[email protected]]
Website: [www.advantage1insurance.com]
Medicare Disclaimer
Advantage 1 is an independent insurance agency and is not affiliated with or endorsed by Social Security, Medicare, or any government agency. Educational information only; individual eligibility, benefits, costs, and options vary.
We do not offer every plan available in your area. Currently, we represent 20 organizations that may offer products in your area, and those products vary by ZIP code and the states we are licensed. Please visit Medicare.gov or call 1-800-MEDICARE to learn about all your options.
By calling, emailing, or booking an appointment, you are agreeing to a member of our team contacting you, and you are under no obligation to purchase or retain our services.ragraph Font