LEGACY INSURANCE & RETIREMENT AGENCY
Marcus Offutt, Licensed Life & Medicare Advisor
TERMS OF SERVICE
Effective Date: August 28, 2026
Legacy Insurance & Retirement Agency sends SMS messages to individuals who have provided express consent through website forms, appointment booking forms, lead magnets, or other opt-in methods on our website (www.legacyirateam.com).
These messages may include:
Users must provide explicit consent to receive SMS messages. Message frequency may vary based on user interaction and service requests. Consent is not a condition of purchase.
You may cancel the SMS service at any time by replying STOP to any message you receive from us.
After you send STOP, you will receive a confirmation message and will no longer receive SMS messages from Legacy Insurance & Retirement Agency.
To rejoin, you may sign up again through our website forms.
If you experience issues with our messaging program, reply HELP to any message, or contact us directly:
Phone: (678) 883-7679
Email: [email protected]
Wireless carriers are not liable for delayed or undelivered messages.
Message and data rates may apply for messages sent to you from us and to us from you.
Message frequency may vary depending on appointments, service interactions, or communications related to Medicare coverage.
For questions about your text or data plan, please contact your wireless provider.
Our SMS program works with most major U.S. wireless carriers. Carrier support may change without notice.
You must be 18 years or older to participate in our SMS messaging program.
For information on how we collect and use your personal data, please review our Privacy Policy:
www.legacyirateam.com/privacy-policy
Legacy Insurance & Retirement Agency complies with all applicable regulations including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines governing SMS communications.
This website ("Site") is owned and operated by Legacy Insurance & Retirement Agency ("Company", "we", "our", or "us").
By using this Site, you agree to be bound by these Terms of Service, our Privacy Policy, and any other policies referenced on the Site.
We reserve the right to update or modify these Terms of Service at any time. Continued use of the Site after changes are posted constitutes acceptance of those changes.
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Assistance Program, to get information on all of your options.
This Site is not connected with or endorsed by the United States government or the federal Medicare program. Enrollment in a plan depends on contract renewal. Plan availability, benefits, premiums, provider networks, and drug formularies vary by plan and by county and may change each year.
Scope of appointment documentation may be required before we discuss specific Medicare Advantage or Part D plans with you, as required by the Centers for Medicare and Medicaid Services.
We do not charge Medicare beneficiaries a fee for help with plan education, comparison, or enrollment. When you enroll in a plan through us, we may receive compensation from the insurance carrier. This does not change your premium.
All content on this Site, including text, graphics, logos, guides, and materials, is the property of Legacy Insurance & Retirement Agency and is protected by copyright and intellectual property laws.
You may use the Site for personal, non-commercial purposes only.
You may not copy, distribute, reproduce, or exploit any content from this Site without prior written permission.
If you submit content through our website, such as comments, feedback, photos, or testimonials, you grant Legacy Insurance & Retirement Agency a non-exclusive, royalty-free license to use, reproduce, and distribute that content in connection with our services and marketing.
Information provided on this website is for general informational purposes only and should not be considered legal, tax, financial, insurance, or medical advice.
Insurance coverage availability and policy terms vary by state and provider.
Legacy Insurance & Retirement Agency makes no guarantees regarding specific coverage outcomes or financial results. We make no guarantee that any plan will cover a specific doctor, hospital, pharmacy, prescription, or service, or that any premium, deductible, or cost will remain the same. Final eligibility, enrollment, and coverage determinations are made by the insurance carrier and by Medicare, not by us.
Penalty and enrollment rules described on this Site are general summaries and may not apply to your situation. Medicare rules, plan details, and carrier offerings change, and information on the Site may become outdated. Always verify plan specifics with the carrier or with Medicare before making a decision.
Our Site may contain links to third-party websites. We are not responsible for the content, accuracy, or policies of those external websites.
Your use of third-party sites is at your own risk.
To the fullest extent permitted by law, Legacy Insurance & Retirement Agency is not liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on its content, including lost coverage, missed enrollment windows, penalties, out of pocket costs, or lost savings.
These limits do not apply where prohibited by law, and nothing in these Terms limits liability for gross negligence, willful misconduct, or any liability that cannot lawfully be limited.
We reserve the right to suspend or terminate access to our website if users violate these Terms of Service or engage in unlawful behavior.
These Terms are governed by the laws of the state of [PRINCIPAL STATE OF BUSINESS], without regard to conflict of law rules. Any dispute will be brought in the state or federal courts located in that state.
We may update these Terms of Service from time to time. The most current version will always be available on our website with the updated effective date.
Marcus Offutt, Licensed Life and Medicare Advisor
Georgia Office: 175 Carnegie Pl, Suite 109, Fayetteville, GA
Michigan Office: 2524 Woodmeadow Dr SE Ave, Suite B, Grand Rapids, MI 49506
Phone: (678) 883-7679
Alternate phone: (616) 583-3138
Email: [email protected]
Website: www.legacyirateam.com