Terms and Conditions

Using This Website

This website belongs to Private Health Insurance Land O' Lakes, an insurance agency working with clients in Land O' Lakes, FL and the surrounding area. By browsing these pages, you agree to the terms below. If you don't agree with them, please stop using the site.

General Information, Not Personal Advice

Our pages explain how health, dental, vision and accident coverage usually works, including terms like premium, deductible and open enrollment. That is general information meant to help you ask better questions. It is not a quote, and it is not advice about your own situation.

Plan benefits, prices and enrollment dates are set by insurance carriers and government programs, and they change. Before you rely on any detail, confirm it with us by phone or in the plan documents.

What a Phone Call Does and Doesn't Do

When you call, we can walk through your needs and compare plans with you. There is no fee for the consultation. A conversation with us does not put coverage in place. Coverage begins only after you complete an application and the carrier approves it.

Carriers Make Their Own Decisions

Eligibility, approval, pricing, claims and benefit payments are decided by the carrier that issues your plan, not by us. We help you understand your options, but we can't promise how a carrier will rule on any application or claim.

Our Content

The text and design of this site belong to us. You're welcome to read, print or share pages for your own personal use. Please don't copy or republish them for commercial purposes without our permission.

Limits of Responsibility

We work to keep this site accurate and running, but we offer it as it is. We are not responsible for losses that come from relying on general website content, from the site being unavailable, or from outside websites that mention or link to us.

Changes and Governing Law

We may update these terms from time to time, and the version posted here is the one that applies. These terms are governed by the laws of the State of Florida.

Questions About These Terms

If something here isn't clear, we're happy to explain it in plain words. Reach us at (813) 819-7976 and we'll talk it through with you.