Terms & Conditions
Effective date: October 9, 2026
About these terms
These terms apply to your use of insuredbyfelix.com (the “site”), operated by Felix Garcia Ramos (NPN 18337040), a licensed independent health and life insurance agent/broker (“I,” “me,” “we”). By using the site, you agree to these terms. If you do not agree, please do not use the site.
Information only — not an offer of coverage
Content on this site is for general informational purposes only. It is not an offer, solicitation, or guarantee of insurance coverage, and it is not tax, legal, or medical advice. Coverage is provided only under the terms of a policy issued by an insurance company after an application is submitted and approved. Plan availability, benefits, costs, and eligibility for savings vary by state, carrier, plan, and household.
Price estimates are not quotes
Any price ranges or estimates shown on this site (including the quick estimate tool) are illustrative only, based on limited information such as age and household size. They are not quotes, offers, or guarantees of price or eligibility. Actual premiums depend on the plan, your location, your health and other factors, and may be subject to carrier underwriting and approval.
Licensed states
I can only sell, solicit, or negotiate insurance in states where I hold an active license for the applicable line of authority. My current licenses are listed on the licenses page and can be verified through your state Department of Insurance or nipr.com. Nothing on this site is an offer to sell insurance in a state where I am not licensed.
No carrier or government affiliation implied
I am an independent agent/broker. Carrier names and logos shown on this site identify companies whose products I may be able to offer; they do not imply that any carrier endorses, sponsors, or is responsible for this site. This site is not operated by, and is not affiliated with, the federal Health Insurance Marketplace® (HealthCare.gov), any state-based exchange, Medicare, or any government agency.
Text messages (SMS) and calls
If you provide your phone number and check the consent box on our form, you agree to receive calls and text messages from Felix Garcia Ramos about health and life insurance, which may be sent using automated technology or a prerecorded/artificial voice. Consent is not a condition of purchase.
- Message frequency varies. Message and data rates may apply.
- Reply STOP to any text to opt out; you may receive one final confirmation message. Reply HELP for help, or contact felix@multiplywellnessgrp.com or (407) 223-1565.
- Wireless carriers are not liable for delayed or undelivered messages.
- We do not share your mobile number or SMS consent with third parties for their marketing purposes. See the Privacy Policy.
Scheduling and third-party links
Appointment booking is handled by a third-party scheduling service, and the site may link to other third-party websites (such as carrier sites or nipr.com). We are not responsible for the content, policies, or practices of third-party sites.
Privacy
Your use of the site is also governed by the Privacy Policy, which explains what information we collect and how we use it.
Accuracy and changes
We try to keep information on this site accurate and current, but it may contain errors or become outdated, and plan details change. We may update the site and these terms at any time; the effective date above shows the latest version.
Limitation of liability
To the extent permitted by law, the site is provided “as is,” and we are not liable for any damages arising from your use of the site or reliance on its content. This does not limit any duties owed to you under applicable insurance laws or regulations.
Contact
Felix Garcia Ramos · Licensed Insurance Broker · NPN 18337040
Email: felix@multiplywellnessgrp.com
Phone: (407) 223-1565
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