Be Smart With Your Money® is a multi-service business providing access to insurance, healthcare-related, retirement and legacy solutions, essential services, and small-business solutions. Insurance and other regulated products are offered only through appropriately licensed, certified, appointed, or otherwise authorized professionals. Be Smart With Your Money® may work with independent licensed professionals whose carrier appointments and product authorizations differ. Services may be available throughout the United States and U.S. territories where permitted by applicable law, licensing requirements, carrier/provider authorization, and service availability. Information regarding applicable insurance licensing is available upon request.
1. General Information & Scope: All information, descriptions, examples, and illustrations on this website are for general educational and informational purposes only. They do not constitute individualized legal, tax, investment, medical, or financial advice and do not, by themselves, create a binding contract for insurance, healthcare products, essential services, or other services.
2. Jurisdictional & Product Availability: Coverage, terms, benefit structures, eligibility, underwriting, carrier appointments, and service availability vary by state or territory, provider, product, and individual circumstances. Not all products or services listed on this website are available in every jurisdiction or through every professional affiliated with or referred by Be Smart With Your Money®. Insurance coverage is subject to the underwriting guidelines, policy terms, limitations, approval, licensing, and appointment requirements of the applicable issuing carrier.
3. No Binding Authority: Coverage cannot be bound, initiated, altered, renewed, or cancelled through this website, its general electronic Contact Form, text message, or ordinary email. No insurance policy becomes effective until approved and issued by the applicable insurance carrier in accordance with its requirements. Non-insurance services are subject to the applicable provider's enrollment, eligibility, contract, and service terms.
4. Health Sharing Ministries / Non-Insurance Products: Health-sharing programs, health care sharing ministries (HCSMs), and other alternative health-sharing programs are NOT health insurance policies. They are not regulated in the same manner as traditional health insurance, and payment or sharing of medical bills is not guaranteed. Eligibility for sharing and the sharing of eligible medical expenses are governed by the applicable program's membership guidelines, limitations, exclusions, and terms.
5. Essential Services & Business Solutions: Commercial services, residential and business essential services, utilities, and operational solutions showcased on this website may be provided by independent third-party vendors. Be Smart With Your Money LLC may act as an authorized independent representative, referral source, broker, or agent, as applicable to the particular service, and is not responsible for the direct fulfillment, performance, billing, pricing, or service delivery of independent third-party providers.
6. Medicare / CMS Disclosure: Be Smart With Your Money® works with licensed Medicare professionals whose Medicare carrier contracts and plan appointments may differ by agent and service area. When Medicare plan information is provided, the licensed professional assisting the beneficiary will identify the Medicare organizations and plans that professional is authorized to represent and will provide the then-current CMS-required Third-Party Marketing Organization (TPMO) disclaimer applicable to that Medicare interaction. Be Smart With Your Money LLC is not Medicare, Medicare.gov, or an agency of the federal government. Consumers may contact Medicare.gov, 1-800-MEDICARE, or their local State Health Insurance Assistance Program (SHIP) for information about all available Medicare options.
