Terms of Use

1. Acceptance of Terms

By accessing or using the website of A&E Insurance Agency (“we,” “us,” or “our”) at https://www.aeinsurancefl.com, you agree to be bound by these Terms of Use. If you do not agree, please do not use this website.

2. Not Government Affiliated

A&E Insurance Agency is an independent insurance agency. This website is not affiliated with, endorsed by, or connected to the U.S. government, the federal Medicare program, or any state government agency. For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

3. Informational Purposes Only

The content on this website is provided for general informational and educational purposes only. It does not constitute insurance, legal, financial, or tax advice. Coverage, eligibility, premiums, and plan availability vary by location, income, and individual circumstances. Always consult a licensed insurance professional before making coverage decisions.

4. Solicitation Disclosure & Licensing

This website is a solicitation for insurance. By submitting a form, calling our office, or requesting information, you consent to being contacted by a licensed insurance agent regarding your insurance needs. We may contact you by phone, email, or text message. Standard message and data rates may apply.

Steve Germain, National Producer Number (NPN): 19921707. Licensed in Florida and 35 additional states. License status can be verified through the Florida Department of Financial Services at myfloridacfo.com or through the NIPR at nipr.com.

5. TCPA Consent

By providing your phone number and submitting any form on this website, you expressly consent to receive calls and text messages, including those made using an automatic telephone dialing system or pre-recorded voice, from A&E Insurance Agency and its licensed agents at the number you provide. Consent is not a condition of purchase. You may opt out at any time by replying STOP to any text message or calling our office.

6. Accuracy of Information

We make reasonable efforts to keep content accurate and up to date. However, Medicare rules, premiums, and plan availability change annually. We do not warrant that any information on this site is current, complete, or free of errors. Premium amounts and benefit information are subject to change by the Centers for Medicare & Medicaid Services (CMS) and individual carriers.

7. Plan Availability

Not all plans, carriers, or products mentioned on this website are available in all states or service areas. Plan availability, premiums, benefits, and network coverage vary by location. We do not offer every plan available in your area. Any information we provide is limited to plans we offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227) to get information on all of your options.

8. Calculator & Tool Disclaimer

Interactive tools and calculators on this website — including Medicare enrollment calculators, penalty estimators, and IRMAA calculators — are provided for illustrative and educational purposes only. Results are estimates based on information you provide and publicly available data. They do not constitute insurance, financial, or legal advice. Actual premiums, penalties, and eligibility determinations are made by the Centers for Medicare & Medicaid Services (CMS) and Social Security Administration (SSA). Always verify your specific situation with a licensed broker or government agency before making enrollment decisions.

9. Intellectual Property

All content on this website — including text, graphics, logos, and downloadable materials — is the property of A&E Insurance Agency or its content suppliers and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or republish any content without written permission.

10. Third-Party Links

This website may contain links to third-party websites, including Medicare.gov, CMS.gov, and SSA.gov. These links are provided for convenience only. We are not responsible for the content, accuracy, or privacy practices of any third-party sites.

11. Limitation of Liability

To the fullest extent permitted by law, A&E Insurance Agency shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or reliance on any information provided herein.

12. Changes to These Terms

We reserve the right to update these Terms of Use at any time. Changes are effective immediately upon posting. Continued use of this website after changes are posted constitutes your acceptance of the revised terms.

13. Governing Law

These Terms of Use are governed by the laws of the State of Florida, without regard to its conflict of law provisions.

14. Contact Us

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