Terms of Service

Effective Date: October 18, 2026

Business Name: Insur-Care

Owner/Licensed Agent: David Goubeaux

Welcome to Insur-Care. By accessing or using our website, you agree to comply with and be bound by the following terms and conditions. Please read them carefully before using our site or requesting a consultation.

1. Acceptance of Terms

By visiting our website, submitting a consultation request, or contacting us via phone or email, you agree to these Terms of Service and our Privacy & Cookie Policy. If you do not agree with any part of these terms, please do not use our website.

2. Nature of Services & Non-Affiliation Disclaimer

Independent Agency Status: Insur-Care is an independent insurance agency owned and operated by David Goubeaux. David is a licensed independent insurance agent.
Government Non-Affiliation: Insur-Care is not connected with, endorsed by, or affiliated with the U.S. government, the federal Medicare program, or any other federal or state government agency.
Plan Availability: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer through the carriers David represents. For comprehensive information on all available options, please contact Medicare.gov or call 1-800-MEDICARE.

3. Informational Purposes Only

The content provided on this website (including blog posts, guides, FAQs, and plan summaries) is for general informational and educational purposes only. It does not constitute formal legal, medical, or binding financial advice. Insurance policy terms, rates, and availability are subject to change and vary based on individual underwriting and state regulations.

4. Consultations & No-Cost Services

Submitting a contact form or booking a review requests a one-on-one consultation with David Goubeaux.
There is no direct cost to you for consulting with Insur-Care. If you choose to enroll in a plan through our agency, David is compensated directly by the insurance carrier offering the plan you select.

5. User Responsibilities

When using our website or submitting information via our contact forms, you agree to:

Provide accurate, current, and complete personal and contact information so we can accurately assist with your insurance inquiries.
Refrain from using the website for any unlawful, harmful, or fraudulent purpose.

6. Intellectual Property

All content on this website—including text, graphics, logos, images, design layouts, and custom code—is the property of Insur-Care and Luv Bug Design, protected by copyright and intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from any content without prior written permission.

7. Limitation of Liability

Insur-Care and its owner shall not be held liable for any direct, indirect, incidental, or consequential damages arising out of your use of this website, reliance on informational content, or temporary website unavailability. We provide our services on an "as-is" and "as-available" basis.

8. External Links

Our website may contain links to third-party websites (such as carrier portals or official government resources like Medicare.gov). We are not responsible for the privacy practices, accuracy, or content of those external sites.

9. Changes to These Terms

We reserve the right to update or modify these Terms of Service at any time without prior notice. Any changes will be posted directly on this page with an updated effective date.

10. Contact Us

If you have any questions regarding these Terms of Service, please contact us:

Email: davidg@insur-care.com
Phone: 316-761-4646
Address: 14915 W Valley Hi Circle, Wichita, Kansas 67235