Terms & Conditions

These Terms of Use (“Terms”) govern your access to and use of coleinsure.com (the “Site”), operated by Cole Insure, LLC (“Cole Insure,” “we,” “us,” or “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. About Us and Our Services

Cole Insure, LLC is a licensed independent insurance agency. We provide information about, and help individuals compare and enroll in, Medicare-related insurance products (including Medicare Supplement, Medicare Advantage, and Part D plans) as well as life, final expense, cancer, and hospital indemnity insurance. This Site, and the information and tools on it, constitute a solicitation and advertisement for insurance. Submitting your information or calling a number listed on this Site will connect you with a licensed insurance agent.

2. Medicare Disclaimers

We do not offer every plan available in your area. Currently we represent 10+ organizations which offer 30+ products in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users call 1-877-486-2048) 24 hours a day / 7 days a week, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Cole Insure, LLC is not affiliated with, endorsed by, or connected to the U.S. government, the federal Medicare program, the Department of Veterans Affairs (VA), the Department of Defense, or TRICARE. Medicare has neither reviewed nor endorsed the information on this Site.

3. Informational Purposes Only; Not Professional Advice

The content on this Site is provided for general educational and informational purposes only. It is not, and should not be relied upon as, legal, tax, financial, or medical advice. Insurance plan details, premiums, benefits, and government figures change and may vary by location and individual circumstances. Always confirm current details with the relevant carrier or government source before making a decision. You should consult a qualified professional regarding your specific situation.

4. Eligibility

You must be at least 18 years old and located in the United States to use this Site or submit information through it.

5. Communications Consent (Calls, Texts, Autodialer & AI Voice)

By providing your telephone number on this Site, by submitting a form, or by calling or texting us, you expressly consent to receive communications from Cole Insure, LLC and its licensed agents at the number(s) you provide, including:

• telephone calls and text messages (SMS/MMS) for marketing, quoting, enrollment, servicing, and follow-up;
• calls and messages placed using an automatic telephone dialing system (autodialer), and/or an artificial, prerecorded, or AI-generated voice or automated voice technology; and
• interactions in which you may communicate with an automated or AI-powered assistant or voice agent rather than a live person.

You consent to this contact even if your number is listed on a federal or state Do Not Call registry. Consent is not a condition of purchase. Message and data rates may apply and message frequency may vary. You may opt out of text messages at any time by replying STOP, request help by replying HELP, and opt out of emails using the unsubscribe link. To revoke consent for calls, you may notify us at the contact information below.

6. Call Monitoring and Recording

Calls to and from Cole Insure, LLC may be monitored, recorded, and retained for quality assurance, training, dispute resolution, and compliance purposes, including recording and retention requirements that apply to Medicare-related sales calls. By continuing a call, you consent to such monitoring and recording.

7. Acceptable Use

You agree not to use the Site to: (a) violate any law or regulation; (b) infringe the rights of others; (c) transmit harmful code or attempt to gain unauthorized access to our systems; (d) scrape, copy, or republish Site content without permission; or (e) interfere with the proper functioning of the Site.

8. Intellectual Property

All content on this Site, including text, graphics, logos, and design, is the property of Cole Insure, LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

9. Third-Party Links and Services

The Site may contain links to third-party websites, booking tools, and service providers (including our scheduling, communications, and AI technology vendors). We are not responsible for the content, policies, or practices of any third party. Accessing third-party sites or tools is at your own risk.

10. Disclaimer of Warranties

The Site is provided “as is” and “as available” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted or error-free, or that the information on it is complete, accurate, or current.

11. Limitation of Liability

To the fullest extent permitted by law, Cole Insure, LLC and its owners, agents, and employees will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of, or inability to use, the Site.

12. Indemnification

You agree to indemnify and hold harmless Cole Insure, LLC and its owners, agents, and employees from any claims, losses, or expenses arising from your misuse of the Site or violation of these Terms.

13. Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect and use your information.

14. Changes to These Terms

We may update these Terms from time to time. Changes are effective when posted to this page with an updated “Last updated” date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

15. Governing Law

These Terms are governed by the laws of the State of Missouri, without regard to its conflict-of-laws principles. Any dispute arising under these Terms will be subject to the exclusive jurisdiction of the state and federal courts located in Missouri.

16. Contact Us

Cole Insure, LLC
5748 N Broadway, Kansas City, MO 64118
Phone: (816) 307-6165
Email: [email protected]