These terms apply to the public website experience. Specific insurance products, applications, policies, carrier agreements, agent contracts or other business relationships may be governed by additional documents and requirements.
Website content is provided for general educational and informational purposes. It is not a policy, Evidence of Coverage, Summary of Benefits, legal opinion, tax advice, investment advice or a guarantee of eligibility, pricing or coverage.
Insurance products, premiums, underwriting, networks, formularies, benefits, eligibility and carrier availability can vary by state, ZIP code, applicant, plan year and carrier. Final decisions should be based on current official carrier and program documents.
Insurance sales, solicitation and advice may require an active license, appropriate line of authority and carrier appointment or authorization. Information about joining Simav does not guarantee contracting, carrier access, leads, production, income or client-retention results.
CRM, automation and AI tools are intended to support business operations and client communication. They do not replace licensed insurance judgment where a licensed professional is required.
The website may link to carriers, government resources, WhatsApp, translation services or other third-party websites. Those services operate under their own terms and privacy practices.