Terms of Service

1. Acceptance of Terms

By accessing or using the website and services of Next Level Insurance Group ("Company," "we," "us," or "our"), located at https://nextlevelhealthadvisers.com, you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use our website or services. These Terms constitute a legally binding agreement between you and the Company.

2. Description of Services

Next Level Insurance Group is a licensed insurance brokerage agency that assists individuals and families in obtaining life and health insurance coverage. We act as an intermediary between you and insurance carriers. We are not an insurance company and do not underwrite, issue, or guarantee any insurance policies. All insurance products are provided and underwritten solely by the respective insurance carriers.

3. No Insurance Guarantee

Submitting a quote request, application, or enrollment form through our website does not guarantee approval, coverage, or issuance of any insurance policy. All coverage decisions, premium rates, policy terms, benefits, exclusions, and claims are determined solely by the applicable insurance carrier. We make no representations or warranties regarding the approval of any application or the terms of any policy.

4. Accuracy of Information

You agree to provide accurate, current, and complete information when using our services, including but not limited to quote requests, applications, and enrollment forms. You understand that providing false, misleading, or incomplete information may result in denial of coverage, rescission of a policy, or other consequences as determined by the insurance carrier. The Company shall not be liable for any adverse outcome resulting from inaccurate information provided by you.

5. Not Professional Advice

The information provided on our website and by our agents is for general informational purposes only and does not constitute legal, tax, financial, or medical advice. Plan summaries, benefit descriptions, and cost estimates are approximations only and may not reflect the exact terms of any specific insurance policy. You are encouraged to carefully review all policy documents and consult with qualified professionals before making any insurance or healthcare decisions.

6. User Responsibilities

You agree to:

• Use our website and services only for lawful purposes
• Not interfere with or disrupt the operation of our website or servers
• Not attempt to gain unauthorized access to any part of our systems
• Not use automated systems (bots, scrapers, crawlers) to access our website without express written permission
• Not submit false, fraudulent, or misleading information
• Not impersonate any person or entity

7. Intellectual Property

All content on our website, including but not limited to text, graphics, logos, images, software, and the overall design and layout, is the property of Next Level Insurance Group or its licensors and is protected by United States and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, display, or create derivative works from any content without our prior written consent.

8. Third-Party Links and Services

Our website may contain links to third-party websites, including insurance carrier portals, enrollment platforms, and other external resources. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for any third-party content, products, services, or privacy practices. Your use of third-party services is at your own risk and subject to their respective terms and policies.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEXT LEVEL INSURANCE GROUP, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH: (A) YOUR USE OF OR INABILITY TO USE OUR SERVICES; (B) ANY DECISIONS MADE OR ACTIONS TAKEN BASED ON INFORMATION PROVIDED THROUGH OUR SERVICES; (C) DENIAL OR CANCELLATION OF ANY INSURANCE APPLICATION OR POLICY; (D) UNAUTHORIZED ACCESS TO YOUR DATA; OR (E) ANY OTHER MATTER RELATING TO OUR SERVICES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU HAVE PAID TO THE COMPANY, IF ANY, DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

10. Disclaimer of Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE. WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.

11. Indemnification

You agree to indemnify, defend, and hold harmless Next Level Insurance Group, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of our services; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any information you provide to us.

12. Dispute Resolution and Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or our services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules, conducted in Broward County, Florida. The arbitrator's decision shall be final and binding. You agree to waive any right to a jury trial or to participate in a class action lawsuit or class-wide arbitration. Each party shall bear its own costs and attorneys' fees unless the arbitrator determines otherwise.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles. Any legal action or proceeding not subject to arbitration shall be brought exclusively in the state or federal courts located in Broward County, Florida, and you consent to the personal jurisdiction of such courts.

14. Communications and Marketing

By submitting your contact information through our website, you expressly consent to receive communications from Next Level Insurance Group via phone, email, SMS/text message, and mail regarding insurance products, services, quotes, and promotions. You understand that message and data rates may apply. You may opt out of marketing communications at any time by contacting us or following the unsubscribe instructions in our emails. Opting out of marketing communications will not affect transactional or service-related communications.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements referenced herein, constitute the entire agreement between you and Next Level Insurance Group with respect to your use of our website and services, and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written.

17. Modifications

We reserve the right to modify these Terms at any time in our sole discretion. Changes will be effective immediately upon posting to this page with a revised "Effective Date." Your continued use of our services after any modification constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

18. Contact Us

For questions about these Terms of Service, please contact us: