Terms of Use
Last Updated: August 30, 2026
These Terms of Use govern your access to and use of IndemnityAdvisor.com. By accessing or using this website, you agree to these Terms.
Informational and Marketing Purpose
Information provided through IndemnityAdvisor.com is intended for general informational and insurance marketing purposes.
Nothing on this website constitutes legal, tax, financial, or medical advice.
Independent Insurance Marketing Website
IndemnityAdvisor.com is an independent insurance marketing website.
Unless expressly stated otherwise, IndemnityAdvisor.com is not an insurance carrier and does not underwrite or issue insurance policies.
We may connect consumers with licensed insurance agencies or licensed insurance professionals who can provide additional product information.
IndemnityAdvisor.com may receive compensation in connection with referrals, marketing services, or resulting insurance transactions where permitted.
Supplemental Insurance
Hospital indemnity insurance is supplemental insurance and is not comprehensive health insurance.
It is designed to provide specified benefits for eligible covered events according to the terms of the applicable insurance policy.
It does not cover all healthcare expenses.
No Guarantee of Coverage
Submitting information through this website does not guarantee that you will qualify for or be approved for insurance coverage.
Product availability, premiums, benefit amounts, eligibility requirements, exclusions, waiting periods, limitations, and underwriting requirements may vary by carrier, product, applicant, and state.
The terms of the actual insurance policy or certificate control if there is any difference between information provided through this website and the applicable policy documents.
State Availability
Not every insurance product described on this website is available in every state.
Insurance products and marketing practices are subject to applicable state laws, carrier requirements, and licensing restrictions.
Communications
When you submit information through a form on IndemnityAdvisor.com, communications regarding your insurance inquiry may be provided according to the consent disclosures presented with that form.
Where applicable, you may receive communications from IndemnityAdvisor.com or participating licensed insurance partners through telephone, text message, or email.
Consent to marketing communications is not a condition of purchasing an insurance product.
Accuracy of Information You Provide
You agree to provide accurate and truthful information when using our quote-request forms.
Providing inaccurate information may affect the ability of an insurance professional or carrier to evaluate available options.
Website Availability
We do not guarantee that the website will always be available, uninterrupted, secure, or error-free.
We may modify, suspend, or discontinue any portion of the website without notice.
Third-Party Services
IndemnityAdvisor.com may provide links or connections to websites, insurance professionals, insurance carriers, or services operated by third parties.
We do not control and are not responsible for the content, availability, privacy practices, or terms of independently operated third-party services.
Limitation of Liability
To the extent permitted by applicable law, IndemnityAdvisor.com and its operators will not be responsible for losses or damages resulting from reliance on general information provided through this website or from actions taken by independent third parties.
Consumers should carefully review actual policy documents and discuss questions concerning insurance coverage with an appropriately licensed insurance professional.
Changes to These Terms
We may modify these Terms of Use periodically.
The updated Terms will become effective when posted on this website unless otherwise required by applicable law.
Continued use of the website following an update constitutes acceptance of the revised Terms.
Contact
Questions regarding these Terms may be directed to:
IndemnityAdvisor.com
Email: info@IndemnityAdvisor.com