Terms of Service

Protected Journey Advisors is an independent insurance and financial services agency. We offer life insurance, annuities, Medicare (Advantage, Supplement, and Part D), and health insurance products through multiple independent carriers. Product availability, features, and rates vary by state and carrier. We are licensed in AR and additional states as required; Arkansas Resident Producer License #1655884.

All content on this Site is provided for general informational purposes only and is not intended as, and should not be construed as, legal, tax, accounting, investment, or insurance advice. Nothing on the Site constitutes an offer to sell or a solicitation of an offer to buy any insurance or financial product in any state where Protected Journey Advisors or its representatives are not properly licensed.

Coverage, benefits, exclusions, and rates depend on the specific policy issued by the carrier. Guarantees are based on the claims-paying ability of the issuing insurance company.

Specific product details — including rates, caps, participation rates, crediting methods, features, and availability — are governed by the issuing carrier's policy contract and applicable state filings, and are subject to change. In the event of any conflict between information on this Site and the issuing carrier's policy contract or state-filed materials, the carrier's contract and filings control.

We are not affiliated with or endorsed by the U.S. government, the federal Medicare program, the Social Security Administration, or the Centers for Medicare & Medicaid Services (CMS), or any other government agency.

You must be at least 18 years old and able to enter into a binding contract to use this Site or to request quotes, consultations, or applications through it.

You agree not to:

• Use the Site for any unlawful, fraudulent, or harmful purpose.
• Submit false, inaccurate, or misleading information.
• Attempt to interfere with, disrupt, or gain unauthorized access to the Site or its systems.
• Scrape, copy, or republish Site content without our written permission.
• Use the Site to send spam or other unsolicited communications.

When you submit a form, schedule a call, or provide your contact information, you authorize Protected Journey Advisors and its licensed agents to contact you by phone, text, or email about your request and about insurance products that may fit your situation. See our Privacy Policy for details on how we handle your information and how to opt out.

The Site, including its text, graphics, logos, and layout, is owned by or licensed to Protected Journey Advisors and is protected by copyright, trademark, and other intellectual property laws. You may view and print Site content for personal, non-commercial use only. All other uses require prior written consent.

The Site may contain links to third-party sites (such as scheduling tools, carriers, or government resources). We do not control and are not responsible for the content, accuracy, or practices of those third parties. Accessing them is at your own risk and subject to their terms and privacy policies.

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that any information on the Site is current, complete, or accurate.

To the fullest extent permitted by law, Protected Journey Advisors and its owners, employees, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of or in connection with your use of the Site or any content on it, even if advised of the possibility of such damages. Our total aggregate liability arising out of or relating to the Site will not exceed five million U.S. dollars ($5,000,000).

You agree to indemnify and hold harmless Protected Journey Advisors and its owners, employees, agents, and affiliates from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising out of your use of the Site, your submissions through the Site, or your violation of these Terms.

These Terms are governed by the laws of the State of Arkansas, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Site will be brought exclusively in the state or federal courts located in Arkansas, and you consent to their personal jurisdiction.

We may update these Terms from time to time. The "Effective" date above shows the latest revision. Continued use of the Site after changes are posted means you accept the updated Terms.

Questions about these Terms? Reach out to us:

Protected Journey Advisors
Phone: (479) 519-8127
Book a call: calendly.com/protectedjourneyadvisors/30min