Web Site Terms and Conditions of Use

Last Updated: May 2026

1. Acceptance of Terms

By accessing and using the MRS Insurance LLC website at mrs-insurance.com (“Website”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with any part of these Terms, please discontinue use of our Website immediately. MRS Insurance LLC reserves the right to update these Terms at any time without prior notice. Your continued use of the Website following any changes constitutes your acceptance of the revised Terms.

2. About MRS Insurance LLC

MRS Insurance LLC is an independent insurance brokerage licensed to sell insurance products in 26 states including AL, AZ, CT, FL, GA, IA, IL, IN, KS, KY, LA, MD, MI, MO, NC, NJ, NY, OH, PA, SC, TN, TX, UT, VA, VT, WA, WI, and WV. All insurance products are offered through licensed insurance agents. MRS Insurance LLC acts as a broker on behalf of its clients and does not underwrite or bind insurance policies directly.

3. Website Use

You may use this Website for lawful purposes only. You agree not to:

• Use the Website in any way that violates applicable federal, state, or local laws or regulations
• Attempt to gain unauthorized access to any part of the Website or its related systems
• Transmit any unsolicited or unauthorized advertising or promotional material
• Reproduce, duplicate, copy, or resell any part of the Website without express written permission from MRS Insurance LLC
• Use automated tools or scripts to scrape, crawl, or extract data from the Website

MRS Insurance LLC reserves the right to terminate access to the Website for any user who violates these Terms.

4. No Policy Binding or Coverage Guarantee

The information provided on this Website, including quote requests and any associated communications, does not constitute a binding insurance contract or guarantee of coverage. Insurance coverage is only in effect upon issuance of a formal policy by a licensed insurance carrier and receipt of required premium payment. All quotes provided are estimates only and are subject to underwriting review and approval by the applicable insurance carrier.

5. Licensed Insurance Agents

All insurance products discussed or quoted through this Website are offered by licensed insurance agents of MRS Insurance LLC. By submitting a quote request or contacting us through the Website you consent to being contacted by a licensed insurance agent. Agents are licensed in the states listed in Section 2 above. MRS Insurance LLC does not offer insurance products in states where it is not licensed.

6. Accuracy of Information

MRS Insurance LLC makes reasonable efforts to ensure the information on this Website is accurate and current. However we do not warrant that all content is complete, accurate, or up to date at all times. Insurance products, rates, and plan availability are subject to change without notice. MRS Insurance LLC reserves the right to correct any errors or update content at any time without prior notification.

7. Third Party Links

This Website may contain links to third party websites including insurance carriers, government resources such as Medicare.gov, and other service providers. These links are provided for your convenience only. MRS Insurance LLC does not control or endorse the content of any third party website and is not responsible for their privacy practices or terms of use. Your use of any linked website is at your own risk.

8. Intellectual Property

All content on this Website including text, graphics, logos, images, and other materials is the property of MRS Insurance LLC or its content suppliers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from any content on this Website without the express written consent of MRS Insurance LLC.

9. Disclaimer of Warranties

This Website and its content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. MRS Insurance LLC disclaims all warranties including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Website will be uninterrupted, error free, or free of viruses or other harmful components.

10. Limitation of Liability

To the fullest extent permitted by law, MRS Insurance LLC and its agents, employees, and partners shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of or inability to use this Website or its content. This includes but is not limited to damages for loss of data, loss of income, or business interruption. Some states do not allow limitations on implied warranties or liability for certain damages so these limitations may not apply to you.

11. GLBA Compliance

MRS Insurance LLC is subject to the Gramm-Leach-Bliley Act (GLBA) as a provider of insurance services. We are committed to protecting the nonpublic personal information of our clients and prospective clients in accordance with GLBA requirements. Please refer to our Privacy Policy at mrs-insurance.com/privacy for full details on how we collect, use, and protect your personal information.

12. Insurance Products and Retirement Planning

MRS Insurance LLC is a licensed independent insurance brokerage. The retirement planning guidance and annuity products we offer are insurance based solutions provided by licensed insurance agents. MRS Insurance LLC is not a registered investment advisor, securities broker, or financial planner regulated by the SEC or FINRA. Our agents are not fiduciaries under federal securities law. Nothing on this Website constitutes securities, investment, or legal advice. All annuity and retirement planning recommendations are made in accordance with applicable state insurance suitability and best interest standards. For investment or securities advice please consult a qualified registered investment professional.

13. SMS Communications

By providing your mobile phone number through our Website or contact forms and opting in to SMS communications, you consent to receive text messages from MRS Insurance LLC regarding your insurance inquiry. Message and data rates may apply. Message frequency varies. You may opt out at any time by replying STOP to any message. For help reply HELP or contact us at (813) 553-3822.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising out of or related to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the state and federal courts located in Florida. You hereby consent to personal jurisdiction in such courts and waive any right to a jury trial in any proceeding related to these Terms.

15. Contact Us

If you have any questions about these Terms and Conditions please contact us: MRS Insurance LLC Phone: (813) 553-3822 or use our contact form on our contact us page.