Terms & Conditions

Our Services

Everanta Advisors is an independent insurance agency that provides insurance education, guidance, quoting assistance, application or enrollment assistance where authorized, customer support, and related insurance services.

Depending on licensing, carrier appointments, availability, location, eligibility, and individual circumstances, services may involve:

• Medicare-related insurance products and coverage options.
• Final expense life insurance.
• Term life and mortgage protection insurance.
• Children's whole life insurance.
• Indexed universal life insurance.
• Annuities and insurance-based retirement products.
• Other insurance or protection products that Everanta Advisors is legally authorized to offer.

Product availability may differ by state, carrier, service area, eligibility, licensing, appointment status, and other applicable requirements.

Insurance Quotes, Illustrations, and Availability

Insurance quotes, estimates, illustrations, rates, product descriptions, benefits, and availability are not guarantees of coverage.

Unless expressly stated otherwise:

• Insurance premiums may change before a policy is issued.
• Coverage is subject to eligibility, underwriting, carrier approval, applicable law, and contract terms.
• Product availability may vary by state or service area.
• Benefits, exclusions, limitations, riders, surrender provisions, charges, interest-crediting methods, and guarantees vary by product.
• An illustration is not the same as a guarantee unless the applicable policy or contract specifically identifies a value as guaranteed.
• A request for information, quote, or appointment does not create insurance coverage.

Coverage becomes effective only in accordance with the terms established by the applicable insurance carrier and policy or contract.

Applicant and Customer Responsibilities

You are responsible for providing complete and accurate information when requesting a quote, completing an application, enrolling in coverage, or requesting service.

Depending on the product, this may include accurate information concerning:

• Name and contact information.
• Date of birth and residency.
• Insurance coverage currently in force.
• Health, prescription, financial, beneficiary, or other application information when lawfully required.
• Medicare eligibility or other program information when relevant.
• Any other information required by an insurer or enrollment system.

Materially inaccurate or incomplete information may affect eligibility, underwriting, policy issuance, benefits, claims, enrollment, or other carrier decisions.

You should review applications, enrollment information, policy documents, beneficiary designations, and other materials for accuracy before signing or submitting them.

Insurance Carriers and Third-Party Providers

Insurance carriers, enrollment platforms, quoting systems, payment processors, technology providers, and other service providers are separate organizations and may maintain their own terms, privacy policies, eligibility rules, underwriting standards, and contractual requirements.

Insurance policies and annuity contracts are issued by the applicable insurance carrier, not by Everanta Advisors.

Carrier decisions concerning underwriting, eligibility, premium, claims, policy issuance, coverage, benefits, and contract administration are governed by the applicable carrier and policy or contract.

Medicare Information

Medicare-related information presented by Everanta Advisors is educational in nature and is not an official communication from Medicare, the Centers for Medicare & Medicaid Services, the Social Security Administration, or another government agency.

Medicare plan availability, benefits, premiums, cost-sharing, formularies, provider networks, service areas, enrollment periods, eligibility rules, and other terms may change and are governed by applicable plan documents, carrier contracts, federal law, and program requirements.

Official Medicare information is available through Medicare.gov and other authorized government resources.

Educational Information and Professional Advice

Website content is provided for general educational and informational purposes.

Unless expressly agreed otherwise and legally authorized, nothing on this website constitutes legal, tax, accounting, estate-planning, securities, or investment advice.

Discussions of life insurance cash value, indexed universal life, annuities, income planning, retirement concepts, or tax-related insurance concepts should not be interpreted as individualized tax, legal, or securities advice.

Consult an appropriately qualified attorney, accountant, tax professional, investment professional, or other adviser when advice in those areas is needed.

Policy and Contract Documents Control

Website descriptions, conversations, summaries, illustrations, marketing materials, or educational explanations do not replace the actual insurance policy, annuity contract, Evidence of Coverage, Summary of Benefits, certificate, rider, endorsement, application, enrollment document, or other controlling contract.

SMS / Text Messaging Terms

Everanta Advisors Messaging Program

If you separately consent to receive text messages from Everanta Advisors, we may send communications consistent with the consent you provided.

• Message frequency may vary.
• Message and data rates may apply.
• Reply STOP to opt out.
• Reply HELP for assistance.
• Consent to receive marketing text messages is not a condition of purchasing insurance products or services.

Depending on your consent, messages may include appointment confirmations and reminders, inquiry follow-up, requested insurance information, service communications, educational messages, customer-care messages, and marketing or promotional communications.

After receiving a STOP request, we may send a final message confirming that the opt-out has been processed.

You may later opt back in through an available Everanta Advisors consent mechanism.

Wireless carriers are not responsible for delayed or undelivered messages.

Mobile telephone numbers, SMS opt-in information, and SMS consent are not sold or shared with third parties or affiliates for their own marketing or promotional purposes.

Telephone, Callback, and Automated Communications

If you request a callback, schedule an appointment, submit an inquiry, or otherwise ask Everanta Advisors to contact you, we may respond using employees, contractors, telephone systems, CRM technology, or automated tools, subject to applicable law and the consent you provided.

Artificial, prerecorded, automated, or AI-assisted communications will be used only as permitted by applicable law and subject to any level of consent required for that communication.

Marketing or telemarketing communications involving artificial or prerecorded voices may require separate affirmative consent. These Terms do not independently create consent where separate consent is legally required.

Calls may be recorded, transcribed, summarized, or analyzed where disclosed and permitted by applicable law for customer service, training, documentation, security, quality assurance, or compliance purposes.

Email Communications

When you provide an email address in connection with an inquiry, appointment, insurance request, application, customer-service matter, or other transaction, Everanta Advisors may send emails reasonably related to that interaction.

Marketing emails may be unsubscribed from using the unsubscribe mechanism provided in the applicable message.

Website Use

You agree not to use the Everanta Advisors website, forms, systems, or communications channels to:

• Violate applicable law.
• Submit fraudulent, false, or misleading information.
• Impersonate another person or organization.
• Attempt unauthorized access to accounts, systems, or data.
• Interfere with the security or operation of the website.
• Introduce malware, malicious code, or harmful material.
• Harvest, scrape, copy, or misuse information in violation of applicable law or website restrictions.

Intellectual Property

Everanta Advisors branding, original website copy, graphics, layouts, educational materials, and other proprietary content are owned by or licensed to Everanta Advisors unless otherwise indicated.

Third-party trademarks, product names, insurance carrier names, logos, platform names, and other third-party intellectual property remain the property of their respective owners.

Third-Party Links and Tools

The website may link to or embed third-party services, including appointment calendars, forms, insurance carrier websites, quoting tools, enrollment systems, educational resources, and other platforms.

Everanta Advisors does not control the availability, content, security, privacy practices, or terms of independent third-party websites and services.

Disclaimer of Warranties

To the fullest extent permitted by applicable law, the Everanta Advisors website and general educational information are provided on an “as available” basis.

Everanta Advisors does not guarantee:

• Continuous website availability.
• Availability of any particular insurance product.
• Approval of any insurance application.
• Specific premiums, rates, underwriting outcomes, or benefits.
• Eligibility for any Medicare plan or insurance product.
• Performance of an independent insurance carrier or technology provider.
• Non-guaranteed future policy values or financial outcomes.

Limitation of Liability

To the fullest extent permitted by applicable law, Everanta Advisors and its owners, representatives, employees, contractors, and service providers will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from use of the website, reliance on general website information, or events outside our reasonable control.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

Indemnification

To the extent permitted by law, you agree to be responsible for losses, damages, liabilities, or claims resulting from your unlawful misuse of the website or services, or from information you knowingly provide that is fraudulent, materially inaccurate, or unauthorized.

Privacy

Our collection and use of personal information is described in the Everanta Advisors Privacy Policy.

View the Everanta Advisors Privacy Policy →

Governing Law

These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles, except where applicable federal law or another mandatory law controls.

Severability

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.

Changes to These Terms

Everanta Advisors may update these Terms periodically to reflect changes in services, technology, insurance products, business practices, legal requirements, or regulatory obligations.

The effective date displayed at the top of this page will be revised when the Terms are updated.

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