Terms and Conditions
Last updated: April 30, 2026
These Terms and Conditions govern your use of the Insurance By Heroes website. By using this website, you agree to these terms. If you do not agree, do not use the website.
Website Information
The information on this website is provided for general educational purposes. It does not create an insurance policy, bind coverage, guarantee approval, or guarantee a premium.
Insurance products are subject to carrier underwriting, state availability, policy terms, exclusions, contestability provisions, and other restrictions.
Quotes and Applications
Any quote, estimate, rate example, or application discussion is preliminary unless and until an insurance carrier issues a policy and all required premium and delivery conditions are satisfied.
Submitting information through this website does not guarantee:
- Eligibility.
- Approval.
- A specific rate class.
- A specific premium.
- Availability of a specific carrier or product.
- Immediate coverage.
Communications
By submitting your contact information, you consent to being contacted by Insurance By Heroes by phone, text message, email, or other communication methods about insurance products or services. This may include communications even if your number is listed on internal, state, or federal Do Not Call registries.
You may request that we stop contacting you by following unsubscribe instructions where available or by contacting us directly.
If you check a consent box or otherwise submit communication consent, you agree to receive calls and text messages from Insurance By Heroes at 855-434-3500, 443-214-3500, or 443-214-3500 about your insurance quote, application, appointment, policy service, or questions, even if your number is listed on a state, federal, internal, or any other Do Not Call list. Message frequency varies. Message and data rates may apply. Reply STOP to opt out of texts and HELP for help. Consent is not a condition of purchase.
No Professional Advice
Website content is not legal, tax, investment, medical, or financial planning advice. You should consult qualified professionals for advice specific to your situation.
Intellectual Property
Unless otherwise stated, website text, graphics, design, logos, and other content are owned by Insurance By Heroes or used with permission. No portion of this website may be reproduced, transmitted, distributed, or copied without prior written permission.
Third-Party Links
This website may link to third-party websites, carriers, quoting tools, scheduling tools, or resources. Insurance By Heroes is not responsible for the content, accuracy, privacy practices, or security of third-party websites.
Limitation of Liability
To the fullest extent permitted by law, Insurance By Heroes is not liable for damages arising from use of this website, reliance on website content, interruption of website availability, errors, omissions, or third-party services.
Availability
This website is intended for residents of the United States only. Insurance By Heroes is not available in New York.
Changes
We may update these Terms and Conditions from time to time. Updates will be posted on this page with an updated date.
Contact
Insurance By Heroes
4301 Mountain Road, #35
Pasadena, MD 21123
Phone: 443-214-3500
Email: [email protected]