Terms & Conditions
Last Updated: August 12, 2026
Welcome to Premier Health and Life Insurance LLC. These Terms & Conditions (“Terms”) govern your use of our website, communications, and services. By accessing or using our website or services, you agree to these Terms.
1. About Premier Health and Life Insurance LLC
Premier Health and Life Insurance LLC provides insurance-related information, guidance, and assistance regarding products and services that may include Medicare, health insurance coverage, and life insurance.
Premier Health and Life Insurance LLC
86 W Palisade Ave
Englewood, NJ 07631
Phone: +1 201-932-3794
Email: [email protected]
Insurance availability, eligibility, benefits, premiums, and coverage may vary depending on the insurance carrier, plan, location, eligibility requirements, and individual circumstances.
2. Insurance Information and Services
Information provided through this website is intended for general informational purposes and to help consumers explore potential insurance options.
Information presented on this website does not constitute a guarantee of eligibility, coverage, benefits, pricing, or enrollment in any particular insurance product or plan.
Final coverage, premiums, benefits, exclusions, limitations, and eligibility are determined by the applicable insurance carrier and the terms of the specific policy or plan.
3. Communications
When you contact Premier Health and Life Insurance LLC, you may receive communications related to your inquiry, requested insurance information, appointments, applications, enrollment, customer service, and other services you have requested.
Depending on the communication preferences and consent you provide, communications may occur by telephone, email, SMS/text message, or other available communication channels.
4. Premier Health and Life Insurance LLC SMS Program
Premier Health and Life Insurance LLC offers an SMS messaging program to communicate with individuals who have expressly opted in to receive text messages from us.
By separately opting in to receive SMS messages, you agree that Premier Health and Life Insurance LLC may send text messages to the mobile number you provided.
Messages may include, depending on the consent you provide:
Responses and follow-up regarding your insurance inquiry;
Appointment confirmations and reminders;
Information you requested about insurance products or services;
Application or enrollment-related updates;
Customer service communications; and
Marketing or promotional communications where you have separately consented to receive such messages.
Message frequency varies.
Message and data rates may apply.
Consent to receive SMS marketing messages is not a condition of purchasing any goods or services from Premier Health and Life Insurance LLC.
5. SMS Opt-Out Instructions
You can cancel the SMS service at any time by replying STOP to any text message you receive from Premier Health and Life Insurance LLC.
After you send STOP, you may receive a confirmation message indicating that you have been unsubscribed. After your opt-out request has been processed, you will no longer receive messages from the applicable SMS program unless you subsequently opt in again.
6. Rejoining the SMS Program
If you previously opted out and would like to receive SMS messages again, you may re-enroll using the same opt-in method you originally used or another available opt-in method provided by Premier Health and Life Insurance LLC.
Once you provide the required consent again, SMS communications may resume.
7. SMS Help and Support
For assistance with our SMS program, reply HELP to a message you receive from us.
You may also contact Premier Health and Life Insurance LLC directly:
Phone: +1 201-932-3794
Email: [email protected]
8. Wireless Carrier Disclaimer
Wireless carriers are not liable for delayed or undelivered messages.
Delivery of SMS messages is subject to effective transmission by your wireless service provider and is outside the control of Premier Health and Life Insurance LLC.
Message and data rates may apply to messages sent to you from us and messages sent by you to us. For questions regarding your text messaging or data plan, please contact your wireless provider.
9. SMS Consent and Privacy
Your participation in our SMS program is subject to our Privacy Policy.
Premier Health and Life Insurance LLC does not sell, rent, or share your mobile phone number or SMS opt-in information or consent with third parties or affiliates for their own marketing or promotional purposes.
Information may be shared with service providers or subcontractors solely as necessary to provide services on our behalf, such as communications infrastructure and customer support, subject to appropriate restrictions.
For additional information about how we collect, use, and protect personal information, please review our Privacy Policy:
10. User Responsibilities
By using our website or providing information to Premier Health and Life Insurance LLC, you agree to provide information that is accurate and current to the best of your knowledge.
You are responsible for ensuring that any telephone number, email address, or other contact information you provide belongs to you or that you are authorized to provide it.
11. Third-Party Insurance Carriers and Services
Premier Health and Life Insurance LLC may provide information regarding insurance products offered by third-party insurance carriers.
Those products are governed by the terms, conditions, exclusions, limitations, and policies established by the applicable carrier.
Premier Health and Life Insurance LLC is not responsible for the availability or operation of third-party websites, systems, or services that may be linked to or referenced from our website.
12. Website Use
You agree not to use this website for any unlawful purpose or in a manner that could damage, disable, interfere with, or impair the website or its operation.
Content on this website, including text, graphics, branding, and other materials, may not be reproduced or distributed without authorization except as permitted by applicable law.
13. Disclaimer of Warranties
We strive to provide accurate and current information; however, Premier Health and Life Insurance LLC does not warrant that all website content will always be complete, current, or error-free.
Insurance products, plan availability, eligibility requirements, benefits, and pricing may change without notice and are subject to the applicable carrier's terms and conditions.
14. Limitation of Liability
To the fullest extent permitted by applicable law, Premier Health and Life Insurance LLC will not be liable for indirect, incidental, special, or consequential damages arising from your use of this website or reliance on information provided through it.
Nothing in these Terms is intended to limit any rights or remedies that cannot legally be limited under applicable law.
15. Compliance With Messaging Standards
Premier Health and Life Insurance LLC intends to operate its messaging programs in accordance with applicable laws, regulations, carrier requirements, and industry messaging standards.
Abuse, spam, unauthorized messaging, or use of our communications services in violation of applicable law is prohibited.
16. Changes to These Terms
Premier Health and Life Insurance LLC may update these Terms & Conditions periodically to reflect changes to our services, business practices, legal requirements, or messaging programs.
Any updates will be posted on this page with a revised “Last Updated” date.
Your continued use of our website or services after an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.
17. Contact Us
If you have questions about these Terms & Conditions or our services, please contact:
Premier Health and Life Insurance LLC
86 W Palisade Ave
Englewood, NJ 07631
Phone: +1 201-932-3794
Email: [email protected]