Terms of ServiceTerms of ServiceEffective Date: September 28, 2026
Welcome to Citizens Insurance Solutions, LLC (“Citizens Insurance Solutions,” “CIS,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our website, online forms, communications, educational materials, and related services.
By using our website or submitting information through our website, you agree to these Terms.
1. About Citizens Insurance SolutionsCitizens Insurance Solutions, LLC is an independent insurance agency providing education, guidance, and insurance services related to Medicare, Medicare Advantage, Medicare Supplement insurance, prescription drug plans, individual and family health insurance, life insurance, and other insurance products.
Our goal is to help consumers understand their options and make informed decisions about their coverage.
2. Insurance AvailabilityInsurance products, carriers, plans, premiums, benefits, provider networks, formularies, eligibility requirements, and availability vary by location and individual circumstances.
Not every insurance product or carrier is available in every state, county, or service area.
Information provided on this website is for general informational and educational purposes and should not be interpreted as a guarantee of coverage, eligibility, benefits, premiums, or enrollment.
Coverage is not effective unless and until an application or enrollment has been properly completed, accepted, and approved by the applicable insurance carrier or other appropriate entity, and any required premium has been paid.
3. Medicare DisclaimerCitizens Insurance Solutions, LLC is an independent insurance agency and is not affiliated with, endorsed by, or connected with the U.S. government or the federal Medicare program.
We do not offer every plan available in every area. Currently, we represent multiple organizations offering insurance products in the areas we serve. The availability and number of plans we represent may vary by location.
Any information we provide is limited to the plans and products we are authorized to discuss or offer. Consumers may also contact Medicare directly or visit Medicare.gov for information about all available Medicare options.
4. Educational Information Is Not Professional AdviceInformation presented on this website, in articles, classes, presentations, videos, emails, social media, or other educational materials is intended for general educational purposes.
Nothing on this website should be considered legal, tax, accounting, medical, or financial advice.
You should consult the appropriate qualified professional when you need advice specific to your legal, tax, financial, or medical circumstances.
5. Plan Information Can ChangeInsurance information changes frequently.
Premiums, deductibles, copayments, coinsurance, formularies, provider networks, pharmacies, benefits, service areas, eligibility rules, and other plan provisions may change.
Medicare Advantage and Medicare Part D plans may change from one plan year to another. Consumers should review their coverage and plan documents each year.
The official insurance carrier documents, Evidence of Coverage, Summary of Benefits, policy, contract, formulary, provider directory, and other applicable carrier materials control in the event of any discrepancy between information provided by CIS and information contained in the official plan documents.
6. Provider and Prescription Drug InformationProvider networks, pharmacy networks, formularies, drug tiers, utilization-management requirements, and coverage rules can change.
While we may assist consumers in researching this information, consumers should verify important provider, pharmacy, prescription drug, and coverage information directly with the insurance carrier and, when appropriate, the healthcare provider or pharmacy.
We cannot guarantee that a particular physician, facility, pharmacy, medication, or service will remain covered or available under a plan.
7. Enrollment DecisionsThe decision to enroll in, change, or terminate insurance coverage belongs to the consumer.
Citizens Insurance Solutions may provide information and recommendations based upon information supplied to us, but consumers are responsible for reviewing plan information and determining whether a particular insurance product is appropriate for their needs.
You are responsible for providing complete and accurate information when requesting quotes, comparisons, recommendations, or enrollment assistance.
8. No Guarantee of Savings or ResultsExamples of potential savings, benefits, premiums, or coverage are illustrative unless specifically stated otherwise.
We do not guarantee that changing insurance plans will save money or produce a particular financial or healthcare outcome.
Actual costs and benefits depend upon the insurance product selected, healthcare utilization, medications, providers, pharmacies, eligibility, carrier rules, and other circumstances.
9. Website AccuracyWe make reasonable efforts to provide accurate and useful information. However, insurance regulations, government programs, carrier information, premiums, benefits, and other information can change without notice.
We do not warrant that all website content will always be complete, current, or error-free.
If you discover information that appears incorrect or outdated, please contact Citizens Insurance Solutions so that we can review it.
10. Online Forms and Electronic CommunicationsWhen you submit information through our website, you authorize Citizens Insurance Solutions to use that information to respond to your request and provide the services you requested, subject to our Privacy Policy and applicable law.
Submitting an online form does not create insurance coverage and does not guarantee enrollment in any insurance product.
Where permitted by law and based on the consent you provide, we may communicate with you by telephone, email, or text message.
Message and data rates may apply to text communications.
Consent to receive marketing communications is not a condition of purchasing insurance or receiving services from Citizens Insurance Solutions.
11. Telephone CallsCalls with Citizens Insurance Solutions may be monitored or recorded for quality assurance, training, documentation, compliance, and customer-service purposes, subject to applicable law.
By continuing a call after receiving notice that the call may be recorded, you acknowledge that the call may be recorded as permitted by law.
12. Privacy and Personal InformationYour privacy is important to us.
Our collection and use of personal information is governed by our Privacy Policy and applicable privacy and insurance laws.
Please review our Privacy Policy for additional information about how we collect, use, protect, and disclose information.
13. Third-Party Websites and ServicesOur website may contain links to Medicare.gov, insurance carriers, healthcare providers, pharmacies, government agencies, technology providers, or other third-party websites.
These websites are operated independently of Citizens Insurance Solutions.
We are not responsible for the content, availability, security, privacy practices, accuracy, or operation of third-party websites or services.
A link to another website does not necessarily constitute an endorsement of that website or its content.
14. Intellectual PropertyUnless otherwise stated, the text, graphics, logos, branding, educational materials, downloadable resources, and other original content appearing on this website are owned by or licensed to Citizens Insurance Solutions, LLC.
You may use our materials for your personal, noncommercial use. You may not reproduce, distribute, sell, modify, or commercially exploit our proprietary materials without prior written permission.
15. Prohibited UseYou agree not to misuse our website, attempt unauthorized access to our systems, interfere with website operation, submit knowingly false information, impersonate another person, introduce malicious software, or use our website for unlawful purposes.
16. Limitation of LiabilityTo the fullest extent permitted by applicable law, Citizens Insurance Solutions, LLC and its owners, employees, agents, contractors, and representatives will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of this website or reliance upon general information provided through it.
Nothing in these Terms is intended to limit any rights or remedies that cannot legally be limited under applicable law.
17. No Waiver of Consumer RightsNothing in these Terms is intended to waive or restrict rights provided to consumers under applicable federal or state law or insurance regulations.
If any provision of these Terms conflicts with applicable law, the applicable law will control.
18. Changes to These TermsWe may update these Terms periodically to reflect changes in our services, business practices, technology, or legal requirements.
The current version will be posted on this website with an updated effective date.
Your continued use of the website following an update constitutes acceptance of the revised Terms to the extent permitted by law.
19. Governing LawThese Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles, except where federal law or another jurisdiction's applicable law controls.
20. Contact UsQuestions about these Terms may be directed to:
Citizens Insurance Solutions, LLC
Phone: 865-264-0370
Please use the contact information provided on our website for additional ways to reach our team.
Important Insurance NoticeInsurance coverage, benefits, costs, provider networks, prescription drug coverage, and eligibility can change. Always review official plan documents before making an enrollment decision.
For Medicare information, consumers may also visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week, except some federal holidays.
Welcome to Citizens Insurance Solutions, LLC (“Citizens Insurance Solutions,” “CIS,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our website, online forms, communications, educational materials, and related services.
By using our website or submitting information through our website, you agree to these Terms.
1. About Citizens Insurance SolutionsCitizens Insurance Solutions, LLC is an independent insurance agency providing education, guidance, and insurance services related to Medicare, Medicare Advantage, Medicare Supplement insurance, prescription drug plans, individual and family health insurance, life insurance, and other insurance products.
Our goal is to help consumers understand their options and make informed decisions about their coverage.
2. Insurance AvailabilityInsurance products, carriers, plans, premiums, benefits, provider networks, formularies, eligibility requirements, and availability vary by location and individual circumstances.
Not every insurance product or carrier is available in every state, county, or service area.
Information provided on this website is for general informational and educational purposes and should not be interpreted as a guarantee of coverage, eligibility, benefits, premiums, or enrollment.
Coverage is not effective unless and until an application or enrollment has been properly completed, accepted, and approved by the applicable insurance carrier or other appropriate entity, and any required premium has been paid.
3. Medicare DisclaimerCitizens Insurance Solutions, LLC is an independent insurance agency and is not affiliated with, endorsed by, or connected with the U.S. government or the federal Medicare program.
We do not offer every plan available in every area. Currently, we represent multiple organizations offering insurance products in the areas we serve. The availability and number of plans we represent may vary by location.
Any information we provide is limited to the plans and products we are authorized to discuss or offer. Consumers may also contact Medicare directly or visit Medicare.gov for information about all available Medicare options.
4. Educational Information Is Not Professional AdviceInformation presented on this website, in articles, classes, presentations, videos, emails, social media, or other educational materials is intended for general educational purposes.
Nothing on this website should be considered legal, tax, accounting, medical, or financial advice.
You should consult the appropriate qualified professional when you need advice specific to your legal, tax, financial, or medical circumstances.
5. Plan Information Can ChangeInsurance information changes frequently.
Premiums, deductibles, copayments, coinsurance, formularies, provider networks, pharmacies, benefits, service areas, eligibility rules, and other plan provisions may change.
Medicare Advantage and Medicare Part D plans may change from one plan year to another. Consumers should review their coverage and plan documents each year.
The official insurance carrier documents, Evidence of Coverage, Summary of Benefits, policy, contract, formulary, provider directory, and other applicable carrier materials control in the event of any discrepancy between information provided by CIS and information contained in the official plan documents.
6. Provider and Prescription Drug InformationProvider networks, pharmacy networks, formularies, drug tiers, utilization-management requirements, and coverage rules can change.
While we may assist consumers in researching this information, consumers should verify important provider, pharmacy, prescription drug, and coverage information directly with the insurance carrier and, when appropriate, the healthcare provider or pharmacy.
We cannot guarantee that a particular physician, facility, pharmacy, medication, or service will remain covered or available under a plan.
7. Enrollment DecisionsThe decision to enroll in, change, or terminate insurance coverage belongs to the consumer.
Citizens Insurance Solutions may provide information and recommendations based upon information supplied to us, but consumers are responsible for reviewing plan information and determining whether a particular insurance product is appropriate for their needs.
You are responsible for providing complete and accurate information when requesting quotes, comparisons, recommendations, or enrollment assistance.
8. No Guarantee of Savings or ResultsExamples of potential savings, benefits, premiums, or coverage are illustrative unless specifically stated otherwise.
We do not guarantee that changing insurance plans will save money or produce a particular financial or healthcare outcome.
Actual costs and benefits depend upon the insurance product selected, healthcare utilization, medications, providers, pharmacies, eligibility, carrier rules, and other circumstances.
9. Website AccuracyWe make reasonable efforts to provide accurate and useful information. However, insurance regulations, government programs, carrier information, premiums, benefits, and other information can change without notice.
We do not warrant that all website content will always be complete, current, or error-free.
If you discover information that appears incorrect or outdated, please contact Citizens Insurance Solutions so that we can review it.
10. Online Forms and Electronic CommunicationsWhen you submit information through our website, you authorize Citizens Insurance Solutions to use that information to respond to your request and provide the services you requested, subject to our Privacy Policy and applicable law.
Submitting an online form does not create insurance coverage and does not guarantee enrollment in any insurance product.
Where permitted by law and based on the consent you provide, we may communicate with you by telephone, email, or text message.
Message and data rates may apply to text communications.
Consent to receive marketing communications is not a condition of purchasing insurance or receiving services from Citizens Insurance Solutions.
11. Telephone CallsCalls with Citizens Insurance Solutions may be monitored or recorded for quality assurance, training, documentation, compliance, and customer-service purposes, subject to applicable law.
By continuing a call after receiving notice that the call may be recorded, you acknowledge that the call may be recorded as permitted by law.
12. Privacy and Personal InformationYour privacy is important to us.
Our collection and use of personal information is governed by our Privacy Policy and applicable privacy and insurance laws.
Please review our Privacy Policy for additional information about how we collect, use, protect, and disclose information.
13. Third-Party Websites and ServicesOur website may contain links to Medicare.gov, insurance carriers, healthcare providers, pharmacies, government agencies, technology providers, or other third-party websites.
These websites are operated independently of Citizens Insurance Solutions.
We are not responsible for the content, availability, security, privacy practices, accuracy, or operation of third-party websites or services.
A link to another website does not necessarily constitute an endorsement of that website or its content.
14. Intellectual PropertyUnless otherwise stated, the text, graphics, logos, branding, educational materials, downloadable resources, and other original content appearing on this website are owned by or licensed to Citizens Insurance Solutions, LLC.
You may use our materials for your personal, noncommercial use. You may not reproduce, distribute, sell, modify, or commercially exploit our proprietary materials without prior written permission.
15. Prohibited UseYou agree not to misuse our website, attempt unauthorized access to our systems, interfere with website operation, submit knowingly false information, impersonate another person, introduce malicious software, or use our website for unlawful purposes.
16. Limitation of LiabilityTo the fullest extent permitted by applicable law, Citizens Insurance Solutions, LLC and its owners, employees, agents, contractors, and representatives will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of this website or reliance upon general information provided through it.
Nothing in these Terms is intended to limit any rights or remedies that cannot legally be limited under applicable law.
17. No Waiver of Consumer RightsNothing in these Terms is intended to waive or restrict rights provided to consumers under applicable federal or state law or insurance regulations.
If any provision of these Terms conflicts with applicable law, the applicable law will control.
18. Changes to These TermsWe may update these Terms periodically to reflect changes in our services, business practices, technology, or legal requirements.
The current version will be posted on this website with an updated effective date.
Your continued use of the website following an update constitutes acceptance of the revised Terms to the extent permitted by law.
19. Governing LawThese Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles, except where federal law or another jurisdiction's applicable law controls.
20. Contact UsQuestions about these Terms may be directed to:
Citizens Insurance Solutions, LLC
Phone: 865-264-0370
Please use the contact information provided on our website for additional ways to reach our team.
Important Insurance NoticeInsurance coverage, benefits, costs, provider networks, prescription drug coverage, and eligibility can change. Always review official plan documents before making an enrollment decision.
For Medicare information, consumers may also visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week, except some federal holidays.
