Terms & Conditions
Last Updated: October 9, 2026
Welcome to Senior Solutions Marketing Group (SSMG).
These Terms & Conditions explain the rules and conditions governing your use of our website, insurance-related information, inquiry forms, and related online services.
Please read these terms carefully before using our website or submitting information.
By accessing or using the website, you agree to these Terms & Conditions to the extent permitted by applicable law. If you do not agree, please discontinue use of the website.
1. About Senior Solutions Marketing Group
Senior Solutions Marketing Group (SSMG), referred to as "SSMG," "we," "us," or "our," provides information and guidance concerning insurance coverage.
Our services include information relating to:
- Medicare Advantage plans (Medicare Part C).
- Individual and family health insurance.
- Life insurance.
- Hospital Indemnity insurance.
- Insurance eligibility and application considerations.
- Available insurance-related customer assistance.
The website is intended to help visitors understand insurance information, request assistance, and communicate with SSMG representatives.
SSMG does not guarantee that every insurance product, service, or coverage option described on the website will be available to every visitor.
Availability may depend on location, eligibility, insurer requirements, and other applicable conditions.
2. Agreement to Website Terms
By accessing or using this website, you agree to use it lawfully and in accordance with these Terms & Conditions.
These terms apply to:
- Browsing information published on the website.
- Using website navigation and related features.
- Submitting an insurance inquiry.
- Requesting insurance coverage information.
- Communicating through available website contact channels.
- Accessing insurance-related educational materials.
Certain insurance products or services may be governed by additional documents, disclosures, application requirements, or policy agreements.
If any provision of these Terms & Conditions conflicts with an applicable legal requirement, that requirement controls to the extent of the conflict.
3. Insurance Information and Educational Content
General Information Only
The insurance information published on this website is intended to provide general explanations of insurance products, coverage considerations, eligibility requirements, and application procedures.
Website content does not constitute a guarantee of insurance eligibility, acceptance, enrollment, coverage, benefits, premiums, or other policy terms.
Insurance products may differ in:
- Coverage benefits.
- Eligibility requirements.
- Premium amounts.
- Deductibles and copayments.
- Provider networks.
- Coverage limitations.
- Exclusions and waiting periods.
- Application and enrollment requirements.
- Geographic availability.
The information provided on the website may not address every condition or exception applicable to a particular insurance product.
Official Insurance Documents
Insurance coverage is governed by the applicable insurer's official policy documents, plan terms, contracts, and related materials.
You should review the appropriate documents carefully before making an insurance decision.
Where information on this website differs from the controlling insurance documents, the applicable official documents govern the coverage offered, subject to applicable law.
4. Medicare Advantage Information
Understanding Medicare Advantage Coverage
Medicare Advantage, also called Medicare Part C, is an alternative way to receive Original Medicare Part A and Part B benefits through a Medicare-approved private insurance plan.
Medicare Advantage plans may differ in benefits, provider networks, prescription drug coverage, costs, and other requirements.
Plan availability and eligibility depend on the individual's circumstances and the plans offered in the applicable service area.
Enrollment Requirements
Medicare Advantage enrollment and coverage changes are subject to applicable eligibility rules and enrollment periods.
Submitting an inquiry through this website does not enroll you in a Medicare Advantage plan.
An insurance application or enrollment request must be completed and processed according to the applicable requirements.
Marketing and Representative Communications
Insurance-related discussions, marketing activities, and enrollment assistance are subject to applicable laws and Medicare Advantage marketing requirements.
Where required, appropriate permissions, disclosures, or other documentation must be completed before particular marketing or enrollment activities occur.
A general website inquiry does not automatically authorize unrestricted marketing communications or the sharing of beneficiary information for unrelated purposes.
5. Health Insurance Information
Information concerning individual and family health insurance is provided for general educational and inquiry purposes.
Health insurance coverage may differ according to the insurer, plan, service area, eligibility requirements, and applicable policy terms.
Premiums, deductibles, copayments, provider networks, prescription coverage, and other costs may vary.
Requesting health insurance information does not guarantee eligibility, application approval, or a particular coverage outcome.
Official policy documents and applicable insurer requirements determine the coverage and benefits available.
6. Life Insurance Information
Life insurance information on this website is intended to help visitors understand relevant coverage considerations.
Life insurance policies may differ in coverage amounts, premiums, eligibility requirements, beneficiary provisions, exclusions, and other conditions.
An application for life insurance may be subject to underwriting or other insurer review procedures.
Submitting an application does not guarantee that an insurance company will issue coverage or approve a requested benefit amount.
Any policy benefits are governed by the specific insurance contract and applicable requirements.
7. Hospital Indemnity Insurance Information
Hospital Indemnity insurance is supplemental insurance that may provide specified benefit payments for covered hospital stays or services.
Payment depends on the qualifying event, benefit provisions, and applicable policy conditions.
Hospital Indemnity insurance is not a substitute for comprehensive health insurance.
Policies may contain exclusions, benefit limits, waiting periods, and other requirements.
The availability and amount of any payment depend on the applicable policy and the circumstances of the claim.
Visitors should review the relevant policy documents before deciding whether supplemental coverage meets their needs.
8. Insurance Inquiries and Application Assistance
Requesting Information
Visitors may use our website to request information about insurance coverage or to contact SSMG with insurance-related questions.
An inquiry may include your name, telephone number, ZIP code, coverage interests, or additional information you choose to provide.
Submitting an inquiry does not constitute an insurance application, enrollment, or purchase unless a separate authorized process is completed.
Application Assistance
SSMG may provide information about eligibility, application requirements, documentation, and available assistance with insurance-related procedures.
The availability of assistance depends on the service requested and applicable business, insurer, and regulatory requirements.
Application Decisions
Insurance companies are responsible for making applicable underwriting, eligibility, and coverage decisions.
SSMG does not guarantee application acceptance, policy issuance, benefit approval, or enrollment.
No Purchase Obligation
Requesting information through our website does not itself require you to purchase an insurance product.
Any permission for regulated marketing communications is governed by the specific consent requirements applicable to those communications.
9. Contact Information and Communication Permissions
Providing Accurate Information
When submitting an inquiry, you are responsible for providing information that is accurate to the best of your knowledge.
This includes providing a telephone number or other contact information that you are authorized to use.
Inaccurate or incomplete information may prevent SSMG from responding appropriately to your request.
Telephone Communications
SSMG may respond to insurance-related inquiries by telephone as permitted by applicable law and your communication permissions.
Certain telephone communications, including marketing calls made using regulated automated technology or artificial or prerecorded voices, may require specific consent.
When a website form requests such consent, the terms presented with that consent govern the applicable authorization, subject to legal requirements.
Submitting a general inquiry does not automatically authorize every possible type of marketing call.
Communication Preferences
You may contact SSMG to ask questions about your communication preferences or to withdraw applicable permissions.
Requests to stop particular communications will be handled in accordance with relevant legal requirements.
10. SMS Text Messaging Terms
SMS Program Description
SSMG provides insurance-related customer communications that may include text messages for individuals who have provided the applicable permission.
Depending on the messaging program and consent received, messages may concern:
- Responses to insurance-related inquiries.
- Application status updates.
- Requests for required documents.
- Appointment reminders.
- Medicare Advantage enrollment-related customer service.
- Hospital Indemnity application-related customer service.
- Responses to existing customer questions.
The messages an individual may receive depend on the specific program and the scope of the applicable consent.
SMS Enrollment and Consent
SSMG's communication channels include online inquiry forms and customer-service telephone interactions.
SMS participation is governed by the permissions obtained through the applicable enrollment or consent process.
Where required, consent for marketing text messages must be obtained separately from consent for transactional or customer-care communications.
Consent to receive text messages is not a condition of purchasing an insurance product or service.
Message Frequency
The number of messages may vary depending on the nature of the communication, the status of an inquiry, and the applicable messaging program.
Message and Data Rates
Message and data rates may apply according to your mobile service provider and service plan.
Your mobile carrier determines any applicable charges.
How to Opt Out
You may opt out of an SSMG text messaging program by replying:
STOP
After an opt-out request, an appropriate confirmation message may be sent. Additional messages from that program will be subject to your communication preferences and applicable legal requirements.
How to Request Help
For assistance with SMS communications, reply:
HELP
You may also contact SSMG directly:
Telephone: (888) 957-3337
Email: info@ssmg.io
Mobile Carrier Responsibility
Mobile carriers are not responsible for delayed or undelivered text messages.
Delivery may depend on network availability, mobile-device settings, and carrier services.
SMS Privacy
Information associated with text messaging, including telephone numbers and consent records, is handled according to applicable privacy requirements and the SSMG Privacy Policy.
SMS opt-in consent does not authorize unrelated sharing of personal information or communications beyond the scope of the applicable permission.
For additional information, review our Privacy Policy.
11. Email and Electronic Communications
When you communicate with SSMG through email or a website form, you are using an electronic communication channel.
SSMG may respond electronically when appropriate to your request and permitted by applicable requirements.
Certain insurance applications, notices, disclosures, and agreements may involve separate electronic records or signature procedures.
Your use of the website alone does not replace any additional authorization or signature required for a particular transaction.
Where electronic consent, acknowledgment, or signatures are legally required, the applicable process must be completed.
Electronic records and communications are subject to applicable laws governing their use, delivery, and retention.
12. Privacy and Personal Information
SSMG recognizes the importance of personal privacy and appropriate information handling.
Information submitted through the website may be used in connection with insurance inquiries, authorized application assistance, customer communications, and other purposes described in our Privacy Policy.
Our Privacy Policy provides additional information about:
- Information collected through the website.
- How personal information may be used.
- Circumstances in which information may be disclosed.
- Communication preferences.
- SMS privacy.
- Information security and retention.
- Applicable privacy choices and rights.
- How to contact SSMG regarding privacy matters.
Please review the Privacy Policy for further details.
Use of the website does not replace any specific privacy permission or consent required by applicable law.
13. Acceptable Website Use
Visitors agree to use the SSMG website responsibly and for lawful purposes.
You must not:
- Use the website for unlawful or fraudulent activities.
- Attempt to gain unauthorized access to website systems or information.
- Interfere with website security or normal operation.
- Introduce malicious software, harmful code, or disruptive technology.
- Submit intentionally false or misleading information.
- Impersonate another person or misrepresent your authority to act on their behalf.
- Collect personal information about other visitors without authorization.
- Use unauthorized automated tools to interfere with the website or extract protected content.
- Attempt to bypass access restrictions or technical protections.
- Use the website in a manner that violates applicable laws or the rights of others.
SSMG may take appropriate measures to protect the website, its users, and its information systems against misuse.
14. Intellectual Property Rights
The SSMG website contains content that may be protected by copyright, trademark, and other intellectual-property laws.
This content may include:
- Website text and educational materials.
- Branding and logos.
- Photographs and illustrations.
- Graphic designs.
- Website layouts.
- Software and website functionality.
- Other original materials.
Unless otherwise indicated, applicable rights belong to SSMG or the relevant rights holders.
Visitors may access website content for personal, informational, and lawful purposes.
You may not reproduce, distribute, modify, sell, or commercially exploit protected website material without appropriate authorization, except as permitted by law.
Third-party trademarks, logos, and other protected materials remain the property of their respective owners.
For questions about permission to use website content, contact SSMG.
15. Information Submitted Through the Website
Visitors may submit questions, comments, and information through available inquiry forms or contact channels.
You should provide information that is accurate and relevant to your request.
Do not submit content that is unlawful, fraudulent, threatening, abusive, or that infringes another person's rights.
Information submitted through contact forms is subject to applicable privacy, confidentiality, and information-handling requirements.
Submitting an insurance inquiry does not transfer ownership of your personal information to SSMG or authorize unlimited commercial use of that information.
Feedback and suggestions concerning general website functionality may be considered for improving the website, subject to applicable rights and obligations.
16. Third-Party Websites and Resources
The SSMG website may contain links to websites operated by independent organizations.
These may include insurance companies, educational resources, or other relevant service providers.
Third-party websites may have their own terms, privacy policies, and operating procedures.
SSMG does not control the content or privacy practices of independent websites merely because a link appears on this website.
Visitors should review the applicable terms and privacy information before using a third-party service or submitting personal information.
A link does not, by itself, establish an endorsement, partnership, or government affiliation.
17. Website Availability and Information Updates
SSMG may update website content to reflect changes in its services, insurance information, or applicable requirements.
Website information may become outdated as insurers modify products, coverage terms, eligibility requirements, or availability.
While SSMG seeks to provide understandable information, website content may contain errors or omissions.
SSMG may correct or update information when appropriate.
Website availability may be affected by maintenance, technical difficulties, security issues, or circumstances outside the organization's control.
Continuous, uninterrupted, or error-free website access cannot be guaranteed.
For important insurance decisions, visitors should consult current official policy or plan information.
18. No Guarantee of Insurance Outcomes
Information, assistance, or communication provided through this website does not guarantee any particular insurance outcome.
SSMG does not guarantee:
- Eligibility for a particular insurance plan or policy.
- Approval of an insurance application.
- Acceptance by an insurance company.
- Specific premiums or out-of-pocket costs.
- Availability of particular benefits.
- Access to a particular healthcare provider or facility.
- Approval of an insurance claim.
- Completion of enrollment outside applicable requirements.
- Particular savings or financial outcomes.
Insurance terms and decisions depend on the applicable insurer, plan or policy, legal requirements, and individual circumstances.
The official insurance documents and applicable laws govern the resulting coverage.
19. Disclaimer of Website Warranties
The website and its general information are provided on an "as available" basis.
To the extent permitted by applicable law, SSMG does not guarantee that the website will operate without interruption or that all website information will be complete, current, or free from errors.
Nothing in these Terms & Conditions excludes or limits rights or protections that cannot lawfully be excluded.
These terms do not override applicable insurer obligations, consumer protections, or legally required disclosures.
Visitors should not rely solely on general website information when making decisions about insurance coverage.
20. Limitation of Liability
To the extent permitted by applicable law, SSMG is not responsible for indirect or consequential losses arising solely from interruptions in website access, technical errors, or reliance on general website information.
This provision does not exclude liability where exclusion is prohibited by law.
It does not limit any rights or remedies provided under applicable consumer-protection, insurance, privacy, or other legal requirements.
Any additional legally enforceable limitations are subject to applicable law and the circumstances involved.
21. Suspension or Restriction of Website Access
SSMG may restrict access to certain website features when reasonably necessary to:
- Address unlawful activity.
- Prevent fraud or misuse.
- Protect website security.
- Investigate unauthorized access.
- Maintain the proper operation of website services.
- Comply with applicable legal requirements.
Such measures will be taken in accordance with applicable law.
Restrictions on website access do not, by themselves, terminate any separate insurance coverage or contractual rights held with an insurance company.
22. Complaints and Disputes
If you have a concern about the website or an SSMG communication, you may contact SSMG using the details provided below.
Please explain the nature of your concern and include relevant information that may help identify the matter.
Questions about coverage decisions, claims, benefits, or policy administration may need to be addressed with the insurance company responsible for the applicable policy.
Nothing in these Terms & Conditions prevents you from exercising rights or remedies available under applicable law, including contacting an appropriate regulatory authority.
These terms do not impose a mandatory arbitration agreement or waive a consumer's right to seek relief in court.
23. Governing Law
These Terms & Conditions are subject to applicable federal and state laws governing the website, the relevant activities, and the rights of the parties involved.
Where a particular federal or state law grants a consumer additional protections, those protections remain applicable.
Nothing in these terms is intended to restrict rights or remedies that cannot legally be waived.
24. Changes to These Terms & Conditions
SSMG may revise these Terms & Conditions to reflect changes in website operations, insurance-related services, technology, or applicable legal requirements.
Any revised version will be made available on the website with an updated effective or revision date.
Changes will apply in accordance with applicable law.
When separate notice, acknowledgment, or consent is required, the applicable process must be followed.
We encourage visitors to review these terms periodically.
25. General Provisions
Entire Website Agreement
These Terms & Conditions, together with other applicable website notices and policies, describe the general rules governing use of the SSMG website.
Separate insurance applications, policy contracts, consent forms, and legally required disclosures may establish additional obligations.
Severability
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.
No Waiver
Failure to enforce a provision on one occasion does not necessarily waive the right to enforce it later.
Independent Insurance Agreements
These Terms & Conditions do not replace the terms of an insurance contract issued by an insurer.
The applicable insurance documents govern the rights, benefits, and obligations arising under that coverage.
26. Contact Senior Solutions Marketing Group
Need More Information?
We're Here to Listen.
If you have questions about these Terms & Conditions, website use, insurance inquiries, or related communications, you may contact SSMG.
For information concerning how personal information is handled, please review our Privacy Policy.