Life & Health Insurance Agency

Jackson NJ, 08527

Agency NPN: 2128321

Terms of Service

These website Terms of Use (“Terms”) describe the rules for using this website, including the information posted herein (“Content”). By using this website, you agree to these Terms and the privacy policy posted on the website, which constitute a legally binding agreement between you and Sileo Insurance Group. If you are helping another person use this website, these Terms constitute a legally binding agreement between both the helper and the person being helped and the Company. We may terminate your access to this website at any time for any reason. If you breach any of these Terms, you may no longer use the website.

This website does not contain content intended for individuals under the age of 18. By using this website, you represent and warrant that you are at least 18 years of age.

The Content on this website is for your general educational information only. Company makes no representation as to the accuracy or completeness of the information on the website, including with respect to price or the description of any product. The Content cannot, and is not intended to, replace the relationship that you have with your health care professionals, insurance agent, or financial advisor. The Content on this website should not be considered medical or financial advice and is not intended as medical or financial advice. If you are experiencing a medical emergency, you should seek appropriate emergency medical assistance, such as calling “911”.

This website is intended for a United States audience. If you live outside the U.S., you may see information on this website about products or therapies that are not available or authorized in your country.

Medicare Disclaimer

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 to get information on all of your options.

The Company is or works with licensed insurance agencies. The Company is not affiliated with or endorsed by any government agency.

Changes to Terms

We may change these Terms at any time, and such changes will be posted on this or a similar page of this website. It is your responsibility to review these Terms each time you use this website. By continuing to use this website, you consent to any changes to our Terms.

Website Content

Subject to these Terms, you may view the Content on this website for the sole purpose of collecting information regarding plans for your personal or household use and related activities such as, if permitted on this website, applying for a plan. All rights, title, and interest in and to the website, including the Content, and all intellectual property rights, including all copyright, trademark, patent, and trade secret rights therein shall remain with the Company and our licensors and vendors, and no ownership interest is transferred to you or any other entity by virtue of making the Content available on the website.

We will also retain ownership of any information that you enter into the forms on this website, subject to applicable privacy laws, such as the Health Insurance Portability and Accountability Act (“HIPAA”).

Restrictions on Your Use of this Website

While using this website, you may not:

  • Use this website or Content in any way not permitted by these Terms or the text of the website;

  • Copy, modify, or create derivative works involving the Content for purposes other than your personal use;

  • Provide us with any false information in any forms on the website;

  • Attempt to interfere with the operation of this website;

  • Post any material or information on the website (i) which is profane, libelous, defamatory, obscene, pornographic, indecent, lewd, harassing, threatening, harmful, invasive of privacy or publicity rights, abusive, inflammatory, or otherwise objectionable, or (ii) the transmission of which could violate, or facilitate the violation of, any applicable law, regulation, or intellectual property rights;

  • Attempt to access any portion of this website to which you have not been granted access;

  • Or directly or indirectly authorize anyone else to take actions contrary to these Terms.

Submission of Contact Information

By submitting your contact information on the website you authorize the Company or its business partners or business partners’ agents or other representatives to contact you regarding the plans, products, or services that you identified, as well as similar or related plans, products, or services. Such contact may be commercial in nature and may be made by e-mail or telephone call, including call technologies such as a prerecorded voicemail. You acknowledge that you are not required to provide such authorization directly or indirectly as a condition of purchasing plans, products, or services through the Company. If you do not want to receive these communications, you may opt out of them at any time by following the opt-out instructions contained in the e-mail message, or by contacting us at:

Phone: 888-993-3375

Email: [email protected]

Physical Address: 17 Trumbull Court, Jackson NJ 08527

Changes to Website Content

This website may be unavailable from time to time for any reason, such as routine maintenance. You understand and acknowledge that the website may be interrupted, suspended, and terminated at any time. Furthermore, we may change, add, or remove some or all of the Content on this website at any time. In addition, please note that although our goal is to provide useful information, certain features that may be offered through this website, such as participating healthcare providers, pricing information, extent of coverage, or other Content, may not be accurate or up to date. In addition, please note that features of any plan or plans described in this website may change over time. The Company does not make any representations regarding the accuracy or completeness of these data or the availability of this website.

Links

While visiting this website you may click on a link to other websites and leave this website. We provide links to other websites that may contain information that may be useful or interesting to you. We do not endorse, nor are responsible for, the content, accuracy, and accessibility of linked websites operated by third parties or for any of your dealings with such third parties. You are solely responsible for your dealings with such third parties, and we encourage you to read the terms of use and privacy policies on such third-party websites.

NO WARRANTIES

ALL CONTENT ON THIS WEBSITE IS PROVIDED TO YOU ON AN “AS IS”, “AS AVAILABLE” BASIS. THE COMPANY, ALL THIRD PARTIES, IF ANY, PROVIDING CONTENT FOR THIS WEBSITE, AND ALL THIRD PARTIES PROVIDING SUPPORT OR INFORMATION FOR THIS WEBSITE (COLLECTIVELY, “WEBSITE-RELATED-PARTIES”) HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.THE WEBSITE-RELATED-PARTIES MAKE NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, TIMELINESS, CORRECTNESS, OR RELIABILITY OF ANY CONTENT AVAILABLE THROUGH THIS WEBSITE. WITHOUT LIMITING THE FOREGOING, THE WEBSITE-RELATED-PARTIES SPECIFICALLY DO NOT REPRESENT OR WARRANT THAT ANY INFORMATION REGARDING PARTICULAR PLAN BENEFITS OR SCOPE OF COVERAGE IS ACCURATE OR COMPLETE. THE WEBSITE-RELATED-PARTIES MAKE NO REPRESENTATIONS OR WARRANTIES THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE TECHNOLOGY THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS NECESSARY TO ENSURE THAT ANY CONTENT YOU MAY OBTAIN FROM THIS WEBSITE IS FREE OF VIRUSES AND ANY OTHER POTENTIALLY DESTRUCTIVE COMPUTER CODE.

LIMITATION OF LIABILITY

YOU AGREE THAT NONE OF THE WEBSITE-RELATED-PARTIES SHALL BE LIABLE FOR ANY DAMAGE RESULTING FROM YOUR USE OR INABILITY TO USE THIS WEBSITE OR THE CONTENT. THIS PROTECTION COVERS CLAIMS BASED ON WARRANTY, CONTRACT, TORT, STRICT LIABILITY, AND ANY OTHER LEGAL THEORY. THIS PROTECTION COVERS THE WEBSITE-RELATED-PARTIES, INCLUDING ALL AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS. THIS PROTECTION COVERS ALL LOSSES INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, AND PUNITIVE DAMAGES, PERSONAL INJURY/WRONGFUL DEATH, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION. THE TOTAL, CUMULATIVE, LIABILITY OF THE WEBSITE-RELATED-PARTIES, INCLUDING ALL AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, IF ANY, FOR LOSSES OR DAMAGES SHALL BE LIMITED TO THE AMOUNT OF YOUR ACTUAL DAMAGES, NOT TO EXCEED U.S. $100.00. THE LIMIT OF LIABILITY MAY NOT BE EFFECTIVE IN SOME STATES. IN NO EVENT SHALL THE WEBSITE-RELATED-PARTIES, INCLUDING ALL AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES OTHER THAN THE AMOUNT DESCRIBED ABOVE. ALL OTHER DAMAGES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE, RESULTING FROM ANY USE OF THE WEBSITE OR CONTENT ARE EXCLUDED EVEN IF THE WEBSITE-RELATED-PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU AGREE THAT YOU USE THIS WEBSITE AT YOUR OWN RISK. IF YOU ARE DISSATISFIED WITH THIS WEBSITE OR THE CONTENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.The foregoing limitation of liability is not applicable to residents of New Jersey. With respect to residents of New Jersey, the Released Parties are not liable for any damages unless such damages are the result of our negligent or reckless acts or omissions; and the Released Parties are not, in any case, liable for indirect, incidental, special, consequential, or punitive damages.You acknowledge and agree that Company’s suppliers are third-party beneficiaries of these Terms, with the right to enforce the limitations of warranty and liability set forth herein with respect to the respective technology of such suppliers and Company.

Indemnification

You agree to defend and indemnify, Website-Related-Parties and their subsidiaries, affiliates, officers, directors, employees, and agents, harmless from any claim, demand, or damage, including reasonable attorneys’ fees, arising out of or related to your breach of these Terms or your use or misuse of the Content or website.

MANDATORY ARBITRATION

EXCEPT AS OTHERWISE PROVIDED IN THESE TERMS, ALL CLAIMS, DISPUTES, AND CONTROVERSIES ARISING OUT OF OR IN ANY MANNER RELATING TO THESE TERMS, OR ANY AGREEMENT EXECUTED IN CONNECTION WITH THESE TERMS, OR TO THE PERFORMANCE, INTERPRETATION, APPLICATION, OR ENFORCEMENT HEREOF, INCLUDING BUT NOT LIMITED TO OCCURRENCE HEREOF (IN EACH CASE, “DISPUTE”), SHALL BE SUBMITTED TO BINDING, NON-APPEALABLE ARBITRATION IN ACCORDANCE WITH THE COMMERCIAL ARBITRATION RULES OF THE AMERICAN ARBITRATION ASSOCIATION IN FORCE AT THE TIME THE DEMAND IS FILED, UNLESS THE PARTIES MUTUALLY AGREE OTHERWISE. Either Party may within one (1) year from the date of the alleged occurrence resulting in the Dispute, whichever is later, make a demand for arbitration by filing a demand in writing with the other party and serving the same by depositing it in the U.S. Mail, certified mail, return receipt requested. Each of the Parties shall choose, within sixty (60) days after demand for arbitration is made, its arbitrator and the two appointed arbitrators shall choose a third arbitrator possessing the same qualifications. All arbitration hearings conducted hereunder, and all judicial proceedings to enforce any of the provisions hereof, shall take place in Dallas County, Texas. The hearing before the arbitrators of the matter to be arbitrated shall be at the time and place within said County as is selected by the arbitrators. The decision of any two arbitrators with respect to a Dispute shall be binding and conclusive and non-appealable and shall be submitted to the court for confirmation with the same effect as a judgment. Each of the parties hereby irrevocably waives punitive, exemplary, consequential, and other non-compensatory damages in connection with any arbitration award with respect to any dispute.

Governing Law and Statute of Limitations

The laws of the State of Texas govern these Terms and any cause of action arising under or relating to your use of the website, without reference to its choice-of-law principles. EACH OF YOU AND COMPANY HEREBY WAIVES RESPECTIVE RIGHTS TO A JURY TRIAL OF ANY CLAIM OR CAUSE OF ACTION BASED UPON OR ARISING OUT OF, DIRECTLY OR INDIRECTLY, THESE TERMS.

Severability

The invalidity of any one or more of the words, phrases, sentences, clauses, sections or subsections contained in these Terms shall not affect the enforceability of the remaining portions of these Terms or any part hereof.

Contact Us

The invalidity of any one or more of the words, phrases, sentences, clauses, sections or subsections contained in these Terms shall not affect the enforceability of the remaining portions of these Terms or any part hereof.

Phone: 888-993-3375

Email: [email protected]

Physical Address: 17 Trumbull Court, Jackson NJ 08527

Effective Date

The Effective Date of these Terms is 01/01/2026.

Questions

Connect with Us

Sileo Insurance Group represents Medicare Advantage HMO, PPO, PFFS, and Prescription Drug Plan organizations that have a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment depends on the plan’s contract renewal. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. Every year, Medicare evaluates plans based on a 5-star rating system.

Sileo Insurance Group is a brand operated by Integrity Marketing Group, LLC and is used by its affiliated licensed insurance agencies that are certified to sell Medicare products. Sileo Insurance Group is a non-government website and is not endorsed by the Centers for Medicare and Medicaid Services (CMS), the Department of Health and Human Services (DHHS), or any other government 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, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

The exact carrier and plan counts are determined by your zip code and county.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week. If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance. If you are already a member, please contact your health plan to file a complaint.

Final expense life insurance may not cover the entire cost of your funeral and may be used by the designated beneficiary for any purpose rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. A policy owner does not have the ability to make unlimited payments into the policy. If too much is paid into the policy, it will become a Modified Endowment Contract (MEC) and withdrawals and loans will be taxable. Coverage may not be available in all states and may vary by state. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.