Terms of Use — Health Insurance Referral Service

Last updated: 6/16/2026

These Terms of Use govern your access to and use of the LlamaExpertos health insurance referral service. By accessing this website or calling our health insurance referral line at (866) 227-1894, you acknowledge that you have read, understood, and agree to be bound by these terms.

1. Acceptance of Terms

By accessing or using this website you agree to be bound by these Terms of Use. This site operates as a referral network connecting consumers with independent health insurance service providers. If you do not agree with any of these terms, please discontinue use immediately.

2. Service Description

LlamaExpertos is a lead-generation and referral network specializing in health insurance services. We do not directly provide health insurance services. All health insurance service providers in our network are independent contractors who maintain their own licenses, insurance, and business practices.

We do not provide medical, legal, or financial advice. Calls may be recorded for quality assurance and training purposes. Use of this site and our health insurance referral service is at your own risk.

Third-Party Health Insurance Providers

Health Insurance service providers connected through this network maintain their own credentials, insurance coverage, and business practices. LlamaExpertos makes no representations regarding the quality, timeliness, or results of any health insurance provider's work. We encourage you to verify credentials and obtain multiple estimates before authorizing any health insurance work.

3. User Responsibilities

As a user of our health insurance referral service, you agree to provide accurate information about your health insurance needs and location when contacting us. You are responsible for independently verifying the credentials, licensing, and insurance of any health insurance provider you choose to hire through our referral.

4. Limitations of Liability

To the fullest extent permitted by law, LlamaExpertos and its operators shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this site or any health insurance service provider connection made through this network. We reserve the right to modify these terms at any time without prior notice.

5. Changes to These Terms

We may update these Terms of Use from time to time. Changes take effect immediately upon posting to this page. Your continued use of our health insurance referral service after any changes constitutes acceptance of the revised terms.

6. Contact and Dispute Resolution

For questions about these terms or to report a concern regarding our health insurance referral service, contact us by phone at (866) 227-1894. Our team is available Monday – Friday, 9:00 AM – 5:00 PM EST. We aim to resolve all inquiries within 2 business days.