HELIM Insurance Terms of Service
Last Updated: 03/21/2025
Welcome to HELIM Insurance ("HELIM Insurance," "we," "our," or "us"). These Terms of Service ("Terms") govern your use of www.heliminsurance.com and any related services, including communication through phone, email, SMS, and online forms. By using our website or services, you agree to these Terms.
These Terms are designed to comply with:
Federal and state insurance regulations
CMS (Medicare) marketing and communication guidelines
ACA Marketplace requirements
HIPAA (when applicable)
GLBA financial privacy requirements
CTIA & A2P 10DLC messaging regulations
Twilio carrier compliance rules
1. About HELIM Insurance
HELIM Insurance is a licensed independent insurance agency offering:
Life insurance
ACA Marketplace health plans
Medicare Advantage & Part D plans
Medicare Supplement (Medigap)
Other permitted insurance products
All quotes, recommendations, and service interactions are performed by licensed agents or under their supervision.
2. Eligibility
To use our services, you must:
Be at least 18 years old
Be a U.S. resident
Provide accurate information for insurance quotes and applications
Providing false or misleading information may result in your application being denied by insurance carriers.
3. No Guarantee of Insurance Approval
Using our website does not guarantee:
Insurance approval
Subsidy eligibility
Enrollment into a specific plan
Final decisions are made by insurance carriers, CMS, or healthcare.gov.
4. Use of SMS Text Messaging (A2P Compliance)
By interacting with HELIM Insurance, you may receive SMS messages. These may include:
Appointment reminders
Application updates
Document requests
Policy guidance
Enrollment deadlines
4.1 Consent Requirements
You consent to receive SMS messages by:
Submitting any form on www.heliminsurance.com
Providing your phone number verbally or in writing
Scheduling an appointment
Texting our business number
Checking an opt-in box on any digital form
4.2 Opt-Out Instructions
You may opt out anytime by replying:
STOP
You may request help by replying:
HELP
4.3 Message & Data Rates
Standard messaging and data rates may apply.
4.4 No Restricted Content
We do not send:
Loan or credit offers
Adult or age-gated content
SHAFT content (sex, hate, alcohol, firearms, tobacco)
5. Privacy and Data Protection
Your information is protected under:
HIPAA (for health-related information)
GLBA (financial privacy)
CMS Medicare rules
ACA Marketplace privacy requirements
See our Privacy Policy for full details on data practices.
6. Accuracy of Information
You agree to provide accurate, complete, and current information. This includes:
Personal identifying information
Income data for ACA applications
Health information required for quotes
We are not responsible for delays or denial of applications caused by incorrect information.
7. Third-Party Partners
We work with:
Licensed insurance carriers
Healthcare.gov
CMS Medicare systems
Secure CRM and communication platforms
You may be redirected to third-party portals to complete applications.
8. No Professional Legal or Tax Advice
HELIM Insurance does not provide:
Legal advice
Tax advice
Financial planning services
Any tax or legal interpretations related to insurance subsidies or plan benefits should be reviewed with a qualified professional.
9. Website Usage Rules
You agree not to:
Interfere with website functionality
Attempt unauthorized access to our systems
Copy or distribute proprietary materials
Use our website for fraudulent or unlawful purposes
10. Intellectual Property
All content on www.heliminsurance.com is owned by HELIM Insurance and may not be used without written permission.
11. Disclaimer of Warranties
Our website and services are provided "as is" without warranties of any kind. We do not guarantee:
Website uptime
Error-free operation
Accuracy of third-party data
12. Limitation of Liability
HELIM Insurance is not liable for:
Actions taken by insurance carriers
Denied applications
Changes in qualification rules from CMS or healthcare.gov
System interruptions or errors
13. Indemnification
You agree to indemnify and hold HELIM Insurance harmless from claims arising from your:
Misuse of our website
Submission of incorrect information
Violation of these Terms
14. Changes to These Terms
We may update these Terms at any time to stay compliant with insurance and A2P regulations. Changes take effect upon posting.
15. Contact Information
HELIM Insurance
Email: customer.service@heliminsurance.com
Phone: 743-210-9455
Website: www.heliminsurance.com