M1 Insurance Group — Terms and Conditions of Use Website: m1insurancegroup.com Effective Date: 04/27/2026 | Last Updated: 04/27/2026
IMPORTANT: Please read these Terms and Conditions carefully before using this website. By accessing or using this site, you agree to be bound by these terms.
1. About M1 Insurance Group
M1 Insurance Group is a licensed independent insurance agency operating in the State of Michigan. We are authorized to sell Medicare insurance products including Medicare Advantage plans, Medicare Supplement (Medigap) plans, and Medicare Part D prescription drug plans offered by private insurance carriers approved by the Centers for Medicare & Medicaid Services (CMS).
M1 Insurance Group is not affiliated with, endorsed by, or a representative of the federal government, the Centers for Medicare & Medicaid Services, the Social Security Administration, or any other government agency.
Michigan Insurance License: #159027 | NPN: 22108657
2. Not a Government Website
This website is privately owned and operated by M1 Insurance Group. It is not operated by or affiliated with Medicare, Medicaid, the U.S. Department of Health and Human Services, or any other federal or state agency.
For official Medicare information, please visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7 days a week.
3. No Obligation to Enroll
Nothing on this website constitutes a binding agreement, enrollment, or application for any insurance product. Submitting a contact form, requesting a review, or speaking with one of our agents does not obligate you to purchase any insurance plan.
All plan information presented on this Site is for general informational and educational purposes only. Actual plan availability, benefits, premiums, and costs vary by location, plan, and individual circumstances and are subject to change each plan year.
4. Plan Availability Disclosure (CMS Required)
We do not offer every plan available in your area. Currently we represent [X] organizations which offer [Y] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
5. Informational Purpose Only
The content on this Site — including articles, blog posts, plan descriptions, comparison tables, enrollment guides, and FAQ content — is provided for general informational and educational purposes only. It does not constitute insurance advice, legal advice, financial advice, or medical advice.
Medicare rules, plan benefits, costs, and eligibility requirements change frequently. While we make every effort to keep information current, we cannot guarantee that all information on the Site is complete, accurate, or up to date at the time of your visit. Always consult with a licensed Medicare insurance agent for guidance specific to your situation.
6. Use of This Website
By using this Site, you agree that you will:
- Use the Site only for lawful purposes and in accordance with these Terms
- Not use the Site in any way that violates applicable federal, state, or local laws or regulations
- Not transmit unsolicited commercial communications, spam, or other unauthorized messages
- Not attempt to gain unauthorized access to any portion of the Site or its related systems
- Not use automated tools, bots, or scrapers to collect data from the Site without express written permission
- Not impersonate any person or entity or misrepresent your affiliation with any person or entity
7. Contact Forms and Communications
When you submit a contact form, quote request, or schedule a review through this Site, you are consenting to be contacted by M1 Insurance Group or one of its licensed agents regarding Medicare insurance options available in your area.
By submitting your information, you acknowledge and agree that:
- You may be contacted by phone, email, or text message regarding Medicare insurance plans
- Message and data rates may apply to text message communications
- This consent is not required as a condition of purchasing any insurance product or service
- You may opt out of communications at any time by replying STOP to any text message or contacting us directly
8. Privacy and Personal Information
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at [link to Privacy Policy page] to understand our practices regarding the collection, use, and protection of your personal information.
We do not sell your personal information to third parties. Information you provide may be shared with insurance carriers for the purpose of providing you with plan quotes and enrollment assistance.
9. Intellectual Property
All content on this Site — including text, graphics, logos, icons, images, and software — is the property of M1 Insurance Group or its content suppliers and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our express written permission.
Insurance carrier logos displayed on this Site are trademarks of their respective companies and are used for informational purposes only. M1 Insurance Group is independently owned and operated and is not a subsidiary or affiliate of any carrier shown.
10. Third-Party Links
This Site may contain links to third-party websites, including insurance carrier websites, Medicare.gov, and other external resources. These links are provided for your convenience only. M1 Insurance Group has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.
11. Disclaimer of Warranties
This Site and its content are provided on an “as is” and “as available” basis without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
M1 Insurance Group does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any information on the Site.
12. Limitation of Liability
To the fullest extent permitted by applicable law, M1 Insurance Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Site, including but not limited to loss of data, loss of revenue, or loss of business opportunity, even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising out of or related to these Terms or your use of the Site shall not exceed one hundred dollars ($100.00).
13. Indemnification
You agree to indemnify, defend, and hold harmless M1 Insurance Group, its officers, agents, and employees from and against any claims, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Michigan.
15. Changes to These Terms
M1 Insurance Group reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
16. Contact Information
If you have any questions about these Terms and Conditions, please contact us:
M1 Insurance Group 337 State Street, Boyne City, MI 49712 Phone: +1 (888) 260-8922 Email: info@m1group.impaktcloud.com Website: [www.m1insurancegroup.com]
