Terms of Service

Effective Date: 12/19/2025
Company Name: Agents First Insurance Group
Licensed Agent: Brian Michaud
Website: healthlifeins.com

1. Acceptance of Terms

By accessing or using this website, you agree to these Terms and Conditions. If you do not agree, please do not use this site. Agents First Insurance Group reserves the right to update or modify these Terms at any time without prior notice.

2. Nature of Services

Agents First Insurance Group is an independent insurance agency owned and operated by Brian Michaud, a licensed insurance agent.
We provide consultation, quotes, and enrollment assistance for a variety of health, life, and supplemental insurance plans, including private PPO options, fixed indemnity plans, and ACA marketplace alternatives.

Agents First Insurance Group is not affiliated with the U.S. government, the federal Medicare program, or any state or federal health insurance marketplace (ACA/Obamacare).

3. No Guarantee of Coverage

Submitting a request for information or a quote does not create an insurance policy or guarantee coverage. All applications are subject to review and approval by the issuing insurance carrier.

4. Accuracy of Information

You agree that all information you provide is accurate and complete to the best of your knowledge. False, incomplete, or misleading information may result in denial of coverage or cancellation of a policy.

5. Quotes and Premiums

All quotes provided by Agents First Insurance Group are for informational purposes only and are based on data available at the time of request. Final rates, coverage terms, and eligibility are determined solely by the insurance carrier after application review.

6. Use of Personal Information

Your privacy is important to us. Information collected through this website, by phone, or in person will be used only for the purpose of providing insurance-related services, including quotes, enrollment, and policy support.

We do not sell or share your personal information with unrelated third parties. For more details, please review our Privacy Policy.

7. Non-Government Disclaimer

Agents First Insurance Group and Brian Michaud are independent insurance professionals.
We are not connected with or endorsed by the U.S. Government, the Centers for Medicare & Medicaid Services (CMS), or any state or federal health insurance exchange.

8. Intellectual Property

All text, graphics, logos, and content displayed on this site are the property of Agents First Insurance Group unless otherwise noted.
You may not copy, distribute, modify, or reproduce any content without prior written permission.

9. Third-Party Links

This website may include links to third-party resources or insurance carrier sites for convenience. Agents First Insurance Group is not responsible for the content, accuracy, or policies of those external websites and does not endorse them.

10. Limitation of Liability

Agents First Insurance Group and its agents are not responsible for any losses or damages, direct or indirect, that may result from the use of this website, including reliance on information provided herein.
Your sole remedy for dissatisfaction with this site is to stop using it.

11. No Legal or Tax Advice

Information provided by Agents First Insurance Group is for educational and informational purposes only and should not be considered legal, financial, or tax advice. Please consult a licensed professional for advice specific to your circumstances.

12. Changes to Terms

Agents First Insurance Group may update these Terms and Conditions periodically. Your continued use of this website constitutes acceptance of any updated terms.

13. Contact Information

If you have any questions regarding these Terms and Conditions, please contact:

Agents First Insurance Group
Attn: Brian Michaud
📧 Email: [email protected]

📞 Phone: 904-233-2072
🌐 Website: healthlifeins.com