Terms & Conditions
Last Updated: April 7, 2025
Welcome to Gulch Insurance Agency. By accessing this website or utilizing any of our services, you agree to comply with and be bound by the following Terms and Conditions. Please review them carefully before using our website or engaging with our agency.
If you do not agree with these terms, please do not use our site or services.
1. General Information
Gulch Insurance Agency (“we,” “us,” or “our”) is a licensed insurance agency providing clients with access to various insurance and financial planning solutions, including but not limited to Medicare plans, life insurance, retirement planning, Part D drug plans, final expense policies, and long-term care coverage.
The information on our website is intended to provide general guidance and is not a substitute for personalized insurance or financial advice.
2. Use of Website
You agree to use this website only for lawful purposes. You may not use this site in a way that could harm Gulch Insurance Agency, its partners, or any other users. Unauthorized use or access to secure areas of the site is prohibited.
We reserve the right to terminate or restrict your access to the site without notice for violations of these Terms.
3. Not Insurance Advice
The materials and content on this website are provided for general information purposes only. While we strive to ensure that the content is accurate and up-to-date, it does not constitute insurance, legal, tax, or financial advice. All information is subject to change based on updates to laws, regulations, or insurance carrier offerings.
For specific insurance advice, we recommend scheduling a consultation with a licensed insurance advisor from our team.
4. Insurance Products and Licensing
Gulch Insurance Agency operates under applicable state licensing regulations. All products and services advertised are subject to state availability, individual eligibility, and carrier underwriting guidelines. We do not guarantee that you will qualify for all products or services listed on this site.
Any policy or plan presented is subject to approval by the respective insurance carrier, and all coverage decisions rest solely with the insurer.
5. Quotes and Enrollment
Requesting a quote or consultation does not constitute an application for insurance or a guarantee of coverage. Enrollment in Medicare-related products or other insurance plans must go through the proper channels, and may require additional documentation or eligibility review.
Quotes provided are based on the information you supply and may vary based on the accuracy of that data and other underwriting factors.
6. Third-Party Links and Content
Our site may include links to third-party websites for your convenience. These sites are not operated or controlled by Gulch Insurance Agency, and we are not responsible for their content, accuracy, or security. Visiting third-party sites is done at your own risk.
7. Privacy and Data Security
We take your privacy seriously. Any personal information submitted through our website is subject to our [Privacy Policy], which outlines how we collect, use, and protect your information. We encourage you to read our Privacy Policy before submitting any personal data.
8. Limitation of Liability
To the maximum extent permitted by law, Gulch Insurance Agency is not liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill arising from your access to or use of our website, products, or services.
We make no guarantees or warranties regarding the availability, accuracy, or completeness of the site content.
9. Indemnification
You agree to indemnify and hold harmless Gulch Insurance Agency, its employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising from your use of the website or services, violation of these Terms, or infringement of any third-party rights.
10. Modifications to Terms
We may update these Terms and Conditions from time to time to reflect changes in our services, technology, or legal requirements. Continued use of the website following any modifications signifies your acceptance of the updated terms.
We recommend reviewing this page regularly to stay informed.
11. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the state in which Gulch Insurance Agency is licensed and operates. Any disputes arising from the use of our services or website will be subject to the exclusive jurisdiction of the state or federal courts located in that jurisdiction.
12. Contact Us
If you have any questions about these Terms and Conditions, or if you would like to speak with a licensed agent, you can reach us at:
2462 Arundel Rd SE, Grand Rapids MI 49506
(616) 867-0833
Required CMS Medicare Disclaimer (as of 2024): "We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
© Copyright 2025 by Gulch Insurance Agency.
Required CMS Medicare Disclaimer (as of 2024): "We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
© Copyright 2025 by Gulch Insurance Agency. Website built by Hublly.com