Terms and Conditions
Effective Date: May 29, 2025
1. Introduction
Welcome to Heaven Insurance Consultants LLC (yvonneheaven.com). By accessing or using our website, services, or providing your contact information, you agree to comply with and be bound by these Terms and Conditions. If you do not agree, please do not use our website or services.
2. Company Information
Heaven Insurance Consultants LLC is an independent health insurance agency providing health insurance consultation, enrollment assistance, and related services. We are licensed insurance agents/brokers operating in compliance with Florida state insurance regulations and applicable federal insurance laws.
3. Use of Website and Services
You agree to use this website for lawful purposes only and to refrain from engaging in any activities that may disrupt, damage, or interfere with the website’s functionality. You are responsible for maintaining the confidentiality of any account information and ensuring all information provided is accurate and current.
4. Services Offered
Heaven Insurance Consultants LLC provides:
- Health insurance plan consultation and comparison services
- Individual and family health insurance enrollment assistance
- Medicare Advantage, Medicare Supplement, and Part D plan guidance
- Florida Marketplace (Healthcare.gov) enrollment support
- Small business and group health insurance solutions
- Health Savings Account (HSA) and flexible benefits consultation
- Claims assistance and ongoing customer support
- Annual enrollment reviews and policy renewals
- Educational resources about Florida health insurance options
All services are subject to availability, Florida licensing requirements, and may be modified, suspended, or discontinued at any time without prior notice.
5. SMS/Text Messaging Terms and Consent
5.1 Consent to Receive Messages
By providing your mobile phone number, you expressly consent to receive text messages (SMS) and multimedia messages (MMS) from Heaven Insurance Consultants LLC. These messages may include:
- Florida health insurance plan information and updates
- Open enrollment period deadlines and reminders
- Special enrollment period notifications
- Appointment confirmations and scheduling
- Policy renewal and change notifications
- Educational content about Florida health insurance options
- Medicare enrollment deadlines and information
- Promotional offers for insurance products available in Florida
- Customer service and support messages
5.2 Message Frequency
Message frequency varies based on your interaction with our services and insurance enrollment periods. You may receive up to 20 messages per month, with increased frequency during Florida open enrollment periods (November-January) and Medicare Annual Open Enrollment (October-December).
5.3 Standard Rates Apply
Message and data rates may apply. Check with your mobile carrier for details about your messaging plan and potential charges.
5.4 Opt-Out Instructions
You may opt out of receiving text messages at any time by:
- Replying “STOP” to any text message
- Texting “UNSUBSCRIBE” to our messaging number
- Calling us at (954) 646-3666
- Emailing us through our website contact form
After opting out, you will receive one final confirmation message.
5.5 Help Information
For help or support, reply “HELP” to any message or contact us at (954) 646-3666 or through our website at yvonneheaven.com.
6. Insurance Services Disclaimer
6.1 Independent Agent Status
Heaven Insurance Consultants LLC operates as an independent insurance agent/broker licensed in the State of Florida. We are not employees of any insurance company and represent multiple insurance carriers to provide you with comprehensive coverage options.
6.2 No Guarantee of Coverage
We cannot guarantee that any insurance application will be approved or that coverage will be issued. Final approval, coverage terms, and premium rates are determined by the insurance carriers and subject to underwriting guidelines.
6.3 Florida-Specific Considerations
Insurance plans and networks may vary by Florida counties and regions. We will help you understand local network availability in Boynton Beach, Palm Beach County, and surrounding South Florida areas.
6.4 Accuracy of Information
While we strive to provide accurate information about insurance plans and benefits available in Florida, insurance terms and conditions are subject to change. You should always review official plan documents and insurance contracts for complete details.
6.5 Not Medical or Legal Advice
Our services do not constitute medical, legal, or tax advice. We recommend consulting with appropriate Florida-licensed professionals for specific medical, legal, or tax guidance.
7. Client Responsibilities
7.1 Accurate Information
You agree to provide accurate, complete, and current information during the insurance application and enrollment process. Providing false or misleading information may result in denial of coverage or cancellation of your policy under Florida insurance laws.
7.2 Premium Payments
You are responsible for paying insurance premiums directly to the insurance carrier according to the terms of your policy. We do not collect or process premium payments on behalf of insurance carriers.
7.3 Policy Management
While we assist with enrollment and provide ongoing support, you are ultimately responsible for understanding your policy terms, managing your coverage, and communicating with your insurance carrier as needed.
7.4 Address and Contact Updates
You must notify us and your insurance carrier of any changes to your contact information, especially if you move within or outside of Florida, as this may affect your coverage and network access.
8. Compensation and Fees
8.1 Commission Structure
Heaven Insurance Consultants LLC is compensated through commissions paid by insurance carriers for policies sold. These commissions are built into insurance premiums and do not increase the cost of your coverage.
8.2 No Direct Fees
We do not charge direct fees to clients for standard consultation, plan comparison, and enrollment services. Any fees for specialized services will be clearly disclosed in advance.
8.3 Third-Party Payments
Any payments for insurance premiums or related services should be made directly to the insurance carrier, not to Heaven Insurance Consultants LLC, unless specifically arranged otherwise in writing.
9. Privacy and Data Protection
We are committed to protecting your privacy and personal health information. By using our services, you acknowledge that we may collect, use, and share your personal information as described in our Privacy Policy. We comply with applicable privacy laws including HIPAA where applicable and Florida privacy regulations.
10. Intellectual Property Rights
All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Heaven Insurance Consultants LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.
11. User Conduct and Prohibited Activities
You agree not to:
- Use our services for any unlawful purpose or in violation of Florida insurance regulations
- Provide false or misleading information during the insurance application process
- Attempt to gain unauthorized access to our systems or client information
- Interfere with or disrupt our services or systems
- Use our services to commit insurance fraud or other illegal activities
- Violate any applicable federal, state, or local laws or regulations
12. Disclaimers and Limitation of Liability
12.1 Service Disclaimer
Our services are provided “as is” without warranties of any kind. We do not guarantee specific insurance outcomes, coverage approval, premium rates, or network availability in specific Florida locations.
12.2 Limitation of Liability
To the fullest extent permitted by Florida law, Heaven Insurance Consultants LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of coverage, medical expenses, or business opportunities.
12.3 Maximum Liability
Our total liability to you for any claims arising from or related to these terms shall not exceed the amount of commissions we received for your insurance policy in the 12 months preceding the claim.
12.4 Insurance Carrier Responsibility
We are not responsible for the actions, decisions, financial stability, or network adequacy of insurance carriers. Claims and coverage disputes should be directed to your insurance carrier or the Florida Office of Insurance Regulation.
13. Compliance with Laws
13.1 Florida Insurance Licensing
Heaven Insurance Consultants LLC maintains appropriate insurance licenses as required by the Florida Department of Financial Services. Our license information is available upon request and can be verified through the Florida licensing database.
13.2 Telecommunications Compliance
We comply with the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and other applicable federal telecommunications regulations. Our messaging practices adhere to industry standards and carrier requirements.
13.3 Healthcare and Privacy Laws
We comply with applicable healthcare and privacy laws, including HIPAA where applicable, Florida insurance regulations, and consumer protection laws.
13.4 Florida-Specific Regulations
We adhere to Florida Statutes Chapter 626 (Insurance Agents and Agencies) and applicable rules of the Florida Office of Insurance Regulation.
14. Open Enrollment and Special Enrollment Periods
14.1 Federal and State Enrollment Deadlines
Health insurance enrollment is subject to specific open enrollment periods for Marketplace plans (typically November 1 – January 15) and Medicare plans (October 15 – December 7). We will inform you of applicable deadlines, but you are responsible for meeting enrollment requirements.
14.2 Florida Marketplace Considerations
Florida uses the federal Healthcare.gov marketplace. We will assist you in navigating the federal platform and understanding subsidy eligibility and plan options available in your Florida county.
14.3 Plan Changes and Network Updates
Insurance plans, benefits, and provider networks may change annually and vary by Florida county. We will assist with plan reviews and renewals, but you should verify current plan details and network coverage with your insurance carrier.
15. Hurricane and Disaster Considerations
15.1 Emergency Communications
In the event of hurricanes or other natural disasters affecting Florida, we may use emergency communication channels to provide important insurance-related updates and assistance information.
15.2 Special Enrollment Periods
Natural disasters may trigger special enrollment periods. We will notify you of any disaster-related enrollment opportunities that may become available.
15.3 Business Continuity
We maintain business continuity plans to continue serving clients during and after natural disasters common to South Florida.
16. Termination
We reserve the right to terminate our services at any time, with or without cause, including for violation of these terms or applicable Florida laws. You may discontinue our services at any time. Termination of our services does not affect your existing insurance coverage with carriers.
17. Governing Law and Dispute Resolution
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida and applicable federal law. Any disputes shall be resolved through binding arbitration or in the appropriate courts having jurisdiction in Palm Beach County, Florida.
18. Contact Information
For questions about these Terms and Conditions, to opt out of communications, or for customer service:
Heaven Insurance Consultants LLC
Website: https://www.yvonneheaven.com/
Phone: (954) 646-3666
Email: yheaven@aol.com
For insurance-related emergencies or urgent matters, please contact your insurance carrier directly or call 911 for medical emergencies.
Florida Insurance Regulatory Information:
Florida Office of Insurance Regulation
Phone: (850) 413-3089
Website: https://www.floir.com/
19. Changes to Terms
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
20. Severability
If any provision of these Terms and Conditions is found to be unenforceable or invalid under Florida law, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining terms remain in full force and effect.
21. Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Heaven Insurance Consultants LLC regarding the use of our website and services.
Last Updated: May 29, 2025
By using our services or providing your contact information, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.
