Terms and Conditions

TrueCove Insurance Services
Last Updated: August 14, 2026

Welcome to TrueCove Insurance Services. These Terms and Conditions govern your use of our website, communications, and services. By accessing our website, submitting information, requesting a quote, scheduling an appointment, or otherwise using our services, you agree to these Terms and Conditions.

1. About TrueCove Insurance Services

TrueCove Insurance Services is an independent insurance agency operated by Tailor Idea LLC. We assist individuals, families, and businesses with insurance products and services that may include life insurance, health insurance, Medicare-related products, supplemental insurance, long-term care insurance, and group benefits.

Insurance products, availability, eligibility, premiums, benefits, and underwriting requirements vary by insurance carrier and state.

2. No Guarantee of Coverage

Submitting a quote request, application, contact form, or other information to TrueCove Insurance Services does not guarantee insurance coverage.

Insurance coverage is not effective until the applicable insurance carrier has approved the application and all required conditions have been satisfied. TrueCove Insurance Services does not have authority to guarantee approval, premiums, benefits, underwriting decisions, or claims decisions made by an insurance carrier.

Do not cancel or terminate existing insurance coverage until you have received confirmation that replacement coverage is active.

3. Insurance Information

Information provided through our website, email, telephone calls, text messages, social media, or other communications is provided for general informational purposes and should not be considered legal, tax, financial, or medical advice.

Insurance recommendations are based on the information provided by the client. Clients are responsible for providing complete and accurate information when requesting quotes or applying for coverage.

4. Third-Party Insurance Carriers

TrueCove Insurance Services may represent or work with multiple insurance carriers and other insurance-related organizations.

Insurance policies are issued and administered by the applicable insurance carrier. Policy terms, premiums, underwriting, eligibility requirements, benefits, exclusions, limitations, and claims decisions are determined by the carrier.

5. Website Use

You agree to use our website and services only for lawful purposes. You may not attempt to interfere with the operation or security of our website, submit false or fraudulent information, impersonate another person, or use our services for unlawful purposes.

6. Electronic Communications

By providing your email address or other contact information, you authorize TrueCove Insurance Services to communicate with you electronically regarding inquiries, appointments, applications, policies, requested services, and other appropriate business communications, subject to applicable law and your communication preferences.

7. SMS/Text Messaging Terms

When you voluntarily provide your mobile telephone number and consent to receive text messages from TrueCove Insurance Services, you agree that we may send you SMS messages related to your inquiry or business relationship with us.

Messages may include appointment confirmations and reminders, responses to insurance inquiries, quote follow-ups, application or policy status communications, document requests, customer service communications, and other insurance-related communications for which you have provided consent.

Message frequency may vary. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP. You may reply HELP for assistance.

Consent to receive SMS messages is not a condition of purchasing any insurance product or service.

SMS consent and mobile telephone information will not be shared with third parties or affiliates for their marketing or promotional purposes.

Carriers and wireless providers are not liable for delayed or undelivered messages.

8. Privacy

We respect the privacy of our clients and website visitors. Personal information is collected, used, and protected in accordance with our Privacy Policy and applicable laws and regulations.

Information may be provided to insurance carriers and other service providers when reasonably necessary to obtain quotes, process applications, administer insurance services, or provide services requested by you, subject to applicable privacy requirements.

9. External Links

Our website or text communications may contain links to insurance carriers, scheduling platforms, government agencies, or other third-party websites.

TrueCove Insurance Services does not control third-party websites and is not responsible for their content, availability, privacy practices, security, or terms of use.

10. Medicare Disclaimer

When Medicare-related products or services are discussed, TrueCove Insurance Services is not connected with or endorsed by the U.S. government or the federal Medicare program.

Availability of plans and the insurance carriers represented may vary.

11. Intellectual Property

Unless otherwise stated, the TrueCove Insurance Services name, branding, website content, graphics, and original materials are owned by or licensed to Tailor Idea LLC and may not be copied, reproduced, distributed, or commercially used without permission.

12. Limitation of Liability

To the extent permitted by law, TrueCove Insurance Services and Tailor Idea LLC are not responsible for losses arising from inaccurate information supplied by a user, third-party websites or services, insurance carrier decisions, interruptions in electronic communications, or circumstances outside our reasonable control.

Nothing in these Terms and Conditions is intended to limit rights or remedies that cannot legally be limited under applicable law.

13. Changes to These Terms

TrueCove Insurance Services may update these Terms and Conditions periodically. Changes will be posted on our website with an updated effective or revision date. Continued use of our website or services after changes are posted constitutes acceptance of the revised terms to the extent permitted by law.

14. Governing Law

These Terms and Conditions are governed by the laws of the State of Florida, without regard to conflict-of-law principles.

15. Contact Us

If you have questions about these Terms and Conditions, our insurance services, or our SMS communications, please contact:

TrueCove Insurance Services

info@truecoveinsurance.com
www.truecoveinsurance.com