Terms of Service

MM Insurance Solutions ("we," "us," or "our") is a registered DBA (Doing Business As) of MM Insurance, a limited liability company and licensed insurance agency. These Terms of Service ("Terms") govern your use of our website and the services we provide. By accessing our website, submitting a form, booking an appointment, or communicating with us, you agree to these Terms.

1. Our Services

We provide insurance guidance and enrollment assistance as a licensed independent insurance agency. We help individuals and families understand and compare insurance options — including Medicare, life, health, and final expense products — and, where appropriate, enroll in coverage. We do not provide legal, tax, or financial advice.

2. No Guarantee of Coverage or Outcome

Information provided on this website is for general informational purposes and does not constitute an offer of insurance or a guarantee of coverage, eligibility, pricing, or benefits. Coverage is subject to carrier approval, underwriting, and the terms of the applicable policy. We do not offer every plan available in your area; any information we provide is limited to those plans we do offer in your area.

3. Eligibility

You must be at least 18 years of age to use our services and to provide consent to be contacted. By providing your information, you represent that you are at least 18 and that the contact information you provide is your own.

4. Communications & Consent

By providing your contact information and opting in, you consent to be contacted by MM Insurance Solutions (a DBA of MM Insurance) and its authorized representatives by phone call, text message, and email — including through automated technology such as automatic telephone dialing systems (ATDS), pre-recorded or artificial voice messages, and CRM-based messaging — regarding your inquiry, appointment, and insurance plan options.

• Consent is not a condition of purchasing any product or service.
• Message frequency varies. Message and data rates may apply.
• You may revoke consent for texts at any time by replying STOP, or reply HELP for help.
• This consent applies even if the number you provide is listed on a state or federal Do Not Call registry, to the extent permitted by law.
• This is a solicitation for insurance. A licensed insurance agent may contact you.

5. SMS / Text Messaging Terms

When you opt in to text messages, you will receive SMS communications from MM Insurance Solutions (a DBA of MM Insurance) related to plan options, quotes, enrollment periods, plan reviews, appointment scheduling, confirmations, and reminders. Message frequency varies, and message and data rates may apply. Reply STOP to opt out at any time; reply HELP for assistance. Carriers are not liable for delayed or undelivered messages.

6. Acceptable Use

You agree not to use our website or services for any unlawful purpose, to submit false or misleading information, to interfere with the operation of the website, or to attempt unauthorized access to any systems.

7. Intellectual Property

All content on this website — including text, graphics, logos, and design — is the property of MM Insurance or its licensors and is protected by applicable intellectual property laws. You may not reproduce or distribute it without our written permission.

8. Third-Party Links & Services

Our website may link to or integrate third-party tools and websites (for example, scheduling or messaging providers). We are not responsible for the content, policies, or practices of third parties, and your use of those services is governed by their own terms.

9. Disclaimers & Limitation of Liability

Our website and services are provided "as is" and "as available" without warranties of any kind, whether express or implied. To the fullest extent permitted by law, MM Insurance and MM Insurance Solutions will not be liable for any indirect, incidental, or consequential damages arising from your use of the website or services.

10. Medicare Disclosure

MM Insurance Solutions (a DBA of MM Insurance) is a licensed insurance agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227) to get information on all of your options. We are not connected or affiliated with any United States Government or State agency. This is a solicitation for insurance. A licensed insurance agent may contact you.

11. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date above reflects the most recent revision. Your continued use of our website after changes are posted constitutes acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of the State of Rhode Island, without regard to its conflict-of-law principles, except where superseded by applicable federal law.

13. Contact Us