NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.
We do not offer every plan available in your area. Currently we represent 5 organizations which offer 30 products in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227) TTY: 711, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Effective Date: January 1, 2026 | Last Updated: January 1, 2026
These Terms of Service ("Terms") govern your use of the website and services provided by The Bumgardner Insurance Group ("BIG," "we," "us," or "our"), a licensed insurance agency operating in Florida and other states. By accessing our website, using our services, or engaging with us in any capacity, you agree to be bound by these Terms.
The Bumgardner Insurance Group is licensed by the Florida Department of Financial Services and other state insurance departments where we conduct business. We are subject to federal and state insurance regulations, including those governing Medicare and ACA marketplace plans.
By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our website or services.
These Terms constitute a legally binding agreement between you and The Bumgardner Insurance Group. We may modify these Terms at any time, and such modifications will be effective immediately upon posting on our website.
We provide the following insurance-related services:
We are NOT affiliated with the federal government, Medicare, or the Centers for Medicare & Medicaid Services (CMS).We are an independent insurance agency licensed to sell Medicare and ACA plans.
We do not provide medical advice, legal advice, or tax advice. Our services are limited to insurance consultation and enrollment assistance.
You agree to:
You agree to comply with all applicable federal and state laws, including insurance regulations, Medicare rules, and ACA requirements. You understand that providing false information on insurance applications may constitute fraud.
We receive compensation from insurance companies when you enroll in their plans. This compensation does not increase the cost of your insurance. Different insurance companies may pay different commission rates, which could create a potential conflict of interest.
Despite potential compensation differences, we are committed to helping you find the plan that best meets your needs and budget. We will disclose any material conflicts of interest and provide objective guidance based on your individual circumstances.
Our services are limited to insurance consultation and enrollment assistance. We do not:
To the maximum extent permitted by Florida law and federal law:
Your insurance coverage is provided by the insurance company, not by us. We act as an intermediary to help you understand and enroll in coverage. All coverage decisions, claims processing, and benefit determinations are made by the insurance company according to their policies and procedures.
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
We comply with federal privacy laws including HIPAA, the Gramm-Leach-Bliley Act, and applicable state privacy regulations. We maintain appropriate safeguards to protect your personal and health information.
All content on our website, including text, graphics, logos, images, and software, is the property of The Bumgardner Insurance Group or our licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission. You may print or download content for your personal, non-commercial use only.
Either party may terminate our service relationship at any time with or without cause. Termination does not affect:
These Terms are governed by the laws of the State of Florida and applicable federal laws, without regard to conflict of law principles.
In the event of a dispute, we encourage you to first contact us directly to attempt resolution. If we cannot resolve the dispute informally, you may:
You have the right to file complaints with regulatory authorities, including:
The Bumgardner Insurance Group is licensed and regulated by:
Max Bumgardner
Florida License: G033810
National Producer Number (NPN): 20824488
Christine Bumgardner
Florida License: [License Number]
National Producer Number (NPN): [NPN Number]
We comply with all applicable laws and regulations, including:
We are committed to ensuring that our website and services are accessible to people with disabilities. We strive to comply with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards and the Americans with Disabilities Act (ADA).
If you encounter any accessibility barriers or need assistance accessing our services, please contact us and we will work to provide alternative access methods.
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and The Bumgardner Insurance Group regarding your use of our website and services.
Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.
You may not assign your rights or obligations under these Terms without our written consent. We may assign our rights and obligations without restriction.
If you have questions about these Terms of Service or need to report a concern, please contact us:
max@bumgardnerinsurance.com
Phone
(863) 400-0431
Mailing Address
The Bumgardner Insurance Group
[Your Business Address]
Lakeland, FL [ZIP Code]
These Terms of Service are effective as of January 1, 2026
Last Updated: January 1, 2026