Terms and Conditions

FHK Insurance
Last Updated: January 2025

1. Introduction

Welcome to FHK Insurance. These Terms and Conditions ("Terms") govern your use of our website located at fhkinsurance.com ("Website") and our insurance brokerage services. By accessing our Website or using our services, you agree to be bound by these Terms.

FHK Insurance is a licensed insurance brokerage agency located in Glendale, Wisconsin. We have been family-owned and operated since 1970, specializing in Medicare, Medicare Supplement, Medicare Advantage, and Individual & Family health insurance plans.

2. Services

FHK Insurance provides insurance brokerage services, including:

  • Medicare plan guidance and enrollment assistance
  • Medicare Supplement (Medigap) plan comparison and enrollment
  • Medicare Advantage (Part C) plan comparison and enrollment
  • Medicare Part D prescription drug plan assistance
  • Individual and Family health insurance (including ACA/Marketplace plans)
  • Travel insurance referrals
  • Employer Medicare education services

We do not offer every plan available in your area. Currently, we represent multiple insurance organizations offering various products. For information on all of your options, please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP).

3. No Cost to You

Our Medicare planning and consultation services are provided at no additional cost to you. We are compensated by the insurance carriers we represent when you enroll in a plan through our agency.

The information provided by FHK Insurance is for general informational purposes only and should not be construed as legal, tax, or financial advice. We recommend consulting with qualified professionals for advice specific to your individual circumstances.

5. Accuracy of Information

While we strive to provide accurate and up-to-date information about insurance products and services, plan details, premiums, benefits, and availability are subject to change. Insurance carriers and government programs (including Medicare) may modify their offerings at any time. We encourage you to verify all plan details before making enrollment decisions.

6. Eligibility and Enrollment

Enrollment in insurance plans is subject to eligibility requirements established by insurance carriers and applicable federal and state laws. FHK Insurance does not guarantee approval or enrollment in any specific plan. Certain enrollment periods and deadlines may apply, including:

  • Medicare Initial Enrollment Period
  • Medicare Annual Enrollment Period (October 15 – December 7)
  • Medicare Advantage Open Enrollment Period (January 1 – March 31)
  • Special Enrollment Periods (qualifying life events)
  • ACA Open Enrollment Period

By providing your contact information through our Website, phone, or in-person consultation, you consent to receive communications from FHK Insurance licensed agents regarding insurance products, services, and related information. Communications may include:

  • Phone calls
  • Emails
  • Text messages (if you have opted in)
  • Direct mail

You may opt out of marketing communications at any time by contacting us at info@FHKinsurance.com or calling 414-228-7555.

8. User Responsibilities

When using our Website or services, you agree to:

  • Provide accurate and complete information
  • Not misrepresent your identity or eligibility
  • Use the Website and services only for lawful purposes
  • Not attempt to interfere with the proper functioning of the Website

9. Intellectual Property

All content on the FHK Insurance Website, including text, graphics, logos, images, and software, is the property of FHK Insurance or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

Our Website may contain links to third-party websites, including insurance carrier websites, Medicare.gov, and other resources. These links are provided for your convenience only. FHK Insurance does not endorse or assume responsibility for the content, privacy policies, or practices of any third-party websites.

11. Limitation of Liability

To the fullest extent permitted by law, FHK Insurance and its owners, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our Website or services. Our total liability shall not exceed the amount of any fees paid by you to FHK Insurance, if any.

12. Disclaimer of Warranties

Our Website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.

13. Indemnification

You agree to indemnify and hold harmless FHK Insurance, its owners, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising out of your use of our Website or services, your violation of these Terms, or your violation of any rights of another party.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Wisconsin, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Milwaukee County, Wisconsin.

15. Changes to Terms

FHK Insurance reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website or services after any changes constitutes your acceptance of the new Terms.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Contact Information

If you have any questions about these Terms, please contact us:

FHK Insurance
6790 N Green Bay Ave
Glendale, WI 53209

Phone: 414-228-7555
Email: info@FHKinsurance.com
Website: fhkinsurance.com

FHK Insurance is a licensed insurance agency in the State of Wisconsin.

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