Terms of Service

Portal Life and Health Insurance  |  806 Loop Ave STE D, Bainbridge, GA 39819  |  (229) 205-2059

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Effective Date: January 1, 2026    Last Updated: August 14, 2026

Please read carefully. By using this website or submitting our pre-qualification form, you agree to these Terms of Service. If you do not agree, do not use this site or submit the form.

1. About Portal Life and Health Insurance

Portal Life and Health Insurance is an independent, licensed insurance agency located at 806 Loop Ave STE D, Bainbridge, GA 39819. We are not a government agency and are not affiliated with, endorsed by, or acting on behalf of the federal Health Insurance Marketplace (Healthcare.gov), the Centers for Medicare & Medicaid Services (CMS), or any state insurance exchange.

2. Services Provided

Portal Life and Health provides insurance pre-qualification services to help individuals, families, and self-employed professionals explore health insurance and life insurance options. We connect prospective clients with licensed insurance professionals to discuss coverage options.

No Guarantee of Coverage: Completing the pre-qualification form does not guarantee insurance coverage. Enrollment in any plan is subject to underwriting, carrier approval, state availability, policy terms, limitations, and exclusions.

3. ACA / Marketplace Disclosure

Insurance products offered through Portal Life and Health may include ACA-compliant plans, non-ACA plans, short-term health plans, and supplemental coverage. We do not enroll consumers directly through the federal or state Marketplace. For official ACA Marketplace enrollment, subsidies (Premium Tax Credits), and cost-sharing reductions, visit Healthcare.gov or contact a federally certified Navigator.

4. Consent to Contact (TCPA)

By submitting our pre-qualification form and checking the TCPA consent box, you expressly authorize Portal Life and Health Insurance to contact you via:

This contact may occur even if your number is on a Do-Not-Call registry. Consent is not required to purchase any product or service. You may opt out at any time by contacting us at (229) 205-2059 or aeportal82@gmail.com. Message and data rates may apply.

5. Accuracy of Information

You agree to provide accurate, current, and complete information on the pre-qualification form. Providing false or misleading information may constitute insurance fraud, which is a federal and state crime. Portal Life and Health reserves the right to deny services to anyone who provides inaccurate information.

6. Not Insurance Advice

Information provided on this website is for general informational purposes only and does not constitute legal, financial, or insurance advice. Always consult with a licensed insurance professional before making coverage decisions. Premium and benefit estimates shown are illustrative and are not binding quotes.

7. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this site you consent to the collection and use of your information as described in the Privacy Policy.

8. Intellectual Property

All content on this website — including text, graphics, logos, and software — is the property of Portal Life and Health Insurance and is protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written consent.

9. Limitation of Liability

To the maximum extent permitted by law, Portal Life and Health Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services. Our total liability to you for any claim shall not exceed the amount you paid us in the three months preceding the claim.

10. Disclaimer of Warranties

This website and its content are provided "as is" without warranties of any kind, express or implied. We do not warrant that the site will be error-free, uninterrupted, or free of viruses or other harmful components.

11. Third-Party Links

This website may contain links to third-party websites, including Healthcare.gov. These links are provided for convenience only. Portal Life and Health does not endorse and is not responsible for the content or practices of any third-party site.

12. Governing Law

These Terms shall be governed by the laws of the State of Georgia, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Decatur County, Georgia.

13. Changes to Terms

Portal Life and Health reserves the right to modify these Terms at any time. Material changes will be reflected by updating the "Last Updated" date. Continued use of the site after changes constitutes acceptance of the revised Terms.

14. Contact Us