Effective Date: January 2026

Welcome to Priority Insurance Concepts ("PIC," "we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our website https://priorityinsuranceconcepts.com and any related services, content, communications, or tools provided by Priority Insurance Concepts.

By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please do not use the website.

1. Purpose of the Website

The Priority Insurance Concepts website is provided for educational and informational purposes only. The content is designed to help individuals better understand insurance, Medicare, retirement planning considerations, and related topics.

Nothing on this website constitutes legal, tax, or financial advice. No insurance coverage, plan enrollment, or financial product is provided through the website without direct interaction with a licensed professional.

2. Eligibility

This website is intended for use by individuals who are at least 18 years of age and located within the United States. By using this website, you represent that you meet these requirements.

3. No Professional Advice or Guarantee

Information provided on this website:

Is general in nature and for educational purposes only

Does not constitute personalized advice or recommendations

Should not be relied upon as a substitute for professional review

Insurance products, Medicare plans, annuities, and life insurance availability vary by state, carrier, and individual circumstances. No results, outcomes, or savings are guaranteed.

4. Medicare and Insurance Disclosures

Priority Insurance Concepts is a licensed Life & Health insurance advisory firm.

For Medicare-related services:

We do not offer every plan available in your area

Plan availability depends on your location, eligibility, and enrollment period

A licensed agent will provide specific plan details during a professional review

No recommendation or enrollment occurs without licensed agent involvement.

5. User Responsibilities

By using this website, you agree to:

Provide accurate and truthful information when submitting forms

Use the website for lawful purposes only

Not attempt to disrupt or compromise the website’s security or functionality

You agree not to misuse the website or its content in any way that could harm Priority Insurance Concepts or other users.

6. Intellectual Property

All content on this website, including text, graphics, logos, design elements, and written materials, is the property of Priority Insurance Concepts or its licensors and is protected by applicable intellectual property laws.

You may not copy, reproduce, distribute, modify, or create derivative works without prior written consent.

7. Third-Party Links

This website may contain links to third-party websites for convenience or informational purposes. Priority Insurance Concepts does not control or endorse these websites and is not responsible for their content, privacy practices, or terms of use.

Accessing third-party websites is done at your own risk.

8. Limitation of Liability

To the fullest extent permitted by law, Priority Insurance Concepts shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

Use or inability to use the website

Reliance on website content

Errors or omissions in website materials

Your use of this website is at your own risk.

9. Indemnification

You agree to indemnify and hold harmless Priority Insurance Concepts, its owners, affiliates, agents, and representatives from any claims, damages, liabilities, costs, or expenses arising from your use of the website or violation of these Terms.

10. Privacy

Your use of the website is also governed by our Privacy Policy, which explains how we collect and use personal information. Please review the Privacy Policy carefully.

11. Modifications to Terms

Priority Insurance Concepts reserves the right to modify these Terms at any time. Updates will be posted on this page with a revised effective date. Continued use of the website constitutes acceptance of the updated Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States and the state in which Priority Insurance Concepts is licensed to conduct business, without regard to conflict of law principles.

13. Contact Information

If you have questions about these Terms of Service, contact us at:

Priority Insurance Concepts
Phone: 1-888-601-0742
Website: https://priorityinsuranceconcepts.com

By using this website, you acknowledge that you have read, understand, and agree to these Terms of Service.