Health Insurance Referral Network — Legal Disclaimer

Last updated: 6/16/2026

This legal disclaimer applies to all users of the LlamaExpertos health insurance referral service. Please read this disclaimer carefully before using our health insurance referral line or any information on this website.

Nature of This Health Insurance Service

This site connects adults under 65 with licensed private health insurance specialists. Plans offered are private health insurance — NOT the ACA government program or Obamacare Marketplace. Plan availability varies by state. Consultation is free and there is no obligation to enroll. LlamaExpertos operates exclusively as a referral and lead-generation network for independent health insurance service providers. We are not a licensed contractor, insurance company, or service firm.

Our role is limited to connecting consumers who need health insurance services with independent providers in their area. We do not perform health insurance work, set pricing, or control the quality of service delivered by any provider in our network.

Health Insurance Referral Disclaimer

Connecting with a health insurance service provider through this network does not constitute a contract, guarantee of service, or endorsement of any specific provider. All health insurance providers operate independently and are solely responsible for the services they perform, their pricing, and their licensing compliance in your jurisdiction.

No Guarantees of Outcome

Results vary by individual circumstances, location, and the specific conditions of each health insurance project or situation. This site does not guarantee any specific outcome, pricing, timeline, or availability for health insurance services. Always verify details directly with the health insurance service provider before authorizing work or making payment.

Consumer Rights and Recommendations

We recommend that all consumers verify the licensing, insurance, and credentials of any health insurance provider before hiring them. You have the right to obtain multiple estimates, request proof of insurance and licensing, and check reviews before making a decision. Our referral is provided free of charge with no obligation to hire any provider.

Limitation of Liability

To the maximum extent permitted by applicable law, LlamaExpertos and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to the use of our health insurance referral service. This includes, without limitation, damages for loss of profits, goodwill, or data. Our total liability shall not exceed the amount paid by you to LlamaExpertos, if any, for use of the health insurance referral service during the twelve months preceding the claim.

Changes to This Disclaimer

We reserve the right to update or modify this legal disclaimer at any time without prior notice. Changes take effect immediately upon publication on this page. We encourage you to review this disclaimer periodically to stay informed about any updates that may affect your use of our health insurance referral service.

Accuracy of Information

While we strive to keep all information on this website accurate and up to date, we make no warranties regarding the completeness, accuracy, or timeliness of any information provided about health insurance services, costs, timelines, or provider availability. Pricing estimates, service timelines, and availability information are provided for general reference only and may vary significantly based on your location, the specific nature of the project, and current market conditions. Always confirm details directly with the health insurance provider before making any decisions based on information found on this website.

Additionally, third-party content, statistics, and external resources referenced on this site are provided for informational purposes only. We do not control or guarantee the accuracy of information published by external organizations. Licensing requirements, insurance standards, and industry regulations for health insurance services vary by state and municipality and are subject to change without notice.

Contact for Questions

If you have questions about this disclaimer or the nature of our health insurance referral network, please call us at (866) 227-1894. Our team is available Monday – Friday, 9:00 AM – 5:00 PM EST.