Terms & Conditions
Last Updated: 16-Janurary-2026
By accessing or using this website, you agree to the following Terms & Conditions. If you do not agree, please do not use this site.
Purpose of This Website
This website provides general educational information about insurance products, including medical and travel insurance, and offers the opportunity to request guidance or consultation.
No Guarantee of Coverage or Enrollment
Use of this website does not guarantee:
Insurance coverage
Plan availability
Enrollment approval
Premium rates or benefits
Final decisions regarding coverage, eligibility, and enrollment are made solely by insurance carriers and/or government agencies.
Important Medicare Disclosure
I do not offer every plan available in your area. Any information provided is limited to the plans I do offer.
For information on all available Medicare options, please contact:
Medicare.gov
1-800-MEDICARE (1-800-633-4227)
Your local State Health Insurance Assistance Program (SHIP)
Educational Use Only
All Medicare and insurance-related information is provided for educational purposes only and is not intended as legal, tax, or medical advice. You should consult appropriate professionals for advice specific to your situation.
User Responsibilities
By using this website, you agree that:
Information you provide is accurate and truthful
You are responsible for verifying coverage details and eligibility
You understand that insurance rules, benefits, and availability may change
Intellectual Property
All content on this website—including text, branding, logos, and design—is the property of Lannum Insurance Services and may not be copied, reproduced, or distributed without written permission.
Limitation of Liability
Lannum Insurance Services is not liable for:
Decisions made based on website information
Coverage denials or changes
Financial or personal outcomes related to insurance decisions
Use of this site is at your own risk.
Third-Party Links
This website may link to third-party websites. We do not control or endorse their content and are not responsible for their accuracy or practices.
Modifications
We reserve the right to update or modify these Terms & Conditions at any time. Continued use of the website constitutes acceptance of any changes.
Governing Law
These Terms & Conditions are governed by the laws of the state in which Lannum Insurance Services is licensed, without regard to conflict-of-law principles.
Contact Information
For questions regarding these Terms & Conditions, please contact:
Lannum Insurance Services