top of page
Accessibility, Privacy, and Terms of Use
Health & Life Solutions, Inc. is committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability. We aim to adhere as closely as possible to the Web Content Accessibility Guidelines (WCAG 2.0, Level AA), published by the World Wide Web Consortium (W3C). These guidelines explain how to make Web content more accessible for people with disabilities. Conformance with these guidelines will help make the web more user friendly to everyone. Whilst Health & Life Solutions, Inc. strive to adhere to the guidelines and standards for accessibility, it is not always possible to do so in all areas of the website and we are currently working to achieve this. Be aware that due to the dynamic nature of the website, minor issues may occasionally occur as it is updated regularly. We are continually seeking out solutions that will bring all areas of the site up to the same level of overall web accessibility.
​
If you have any comments and or suggestions relating to improving the accessibility of our site, please don't hesitate to contact our accessibility coordinator Michael P. Layden by 217-290-1768 or info@HealthandLifeSolutionsInc.com. Your feedback will help us make improvements.
Accessibility
Privacy Policy
We are committed to protecting your privacy. HealthandLifeSolutionsInc.com is an online source for people seeking to learn more about their insurance options. HealthandLifeSolutionsInc.com believes it is important for you to know and understand how our website collects and uses your information, and the steps we take to protect your privacy. Please read this privacy policy carefully. Please note that this Privacy Policy only applies to this website. Other websites in the HealthandLifeSolutionsInc.com network may have different privacy policies. By accessing this website and/or using our service, you agree to abide by this Privacy Policy and our Terms of Use.
​
Information Collected By Health & Life Solutions, Inc.
HealthandLifeSolutionsInc.com uses this website to collect personally-identifiable information. When you use our service you are authorizing the sharing of your inquiry and your personal information with Health & Life Solutions, Inc. The personal information we collect may include, but is not limited to:
-
Name
-
Age
-
Sex
-
Address
-
Email address
-
Phone number
-
Health information
By submitting your information to us, you are also allowing Health & Life Solutions, Inc. team to contact you directly by e-mail, telephone, and SMS with information about insurance products or services they offer. You expressly consent to receive phone calls and email regardless of whether you are on any Federal or state DNC (Do Not Call) and/or DNE (Do Not Email) list or registry.
​
How Information Is Collected
We only collect your personally-identifiable information when you choose to share it with us. We will not collect any personally-identifiable information without your consent.
The information you choose to share with us may be collected through this website or another website in the HealthandLifeSolutionsInc.com network. Information may also be collected over the phone by one of our Health & Life Solutions, Inc. team members.
By submitting your information to us, you are authorizing Health & Life Solutions, Inc. to contact you directly by e-mail, telephone, and SMS (text message) with information about insurance products or services we offer, as well as other services and offers you may be interested in.
If you no longer wish to receive further communications from HealthandLifeSolutionsInc.com, you may opt-out of receiving them by emailing us at info@HealthandLifeSolutionsInc.com or calling us at 1-217-290-17689 or writing to the address below:
​
Health & Life Solutions, Inc.
Post Office Box 13155
Springfield, IL 62791
1(217)290-1768
​
How Information Is Used
If you choose to give us personally-identifiable information, we may use this information for any purpose in our sole discretion. Health & Life Solutions, Inc. may contact you by phone, email, or mail to fulfill your inquiry and provide you with other offers you may be interested in. The personally-identifiable information includes name, age, sex, e-mail address, phone number, health information, and/or postal address. We do not sell your information to anyone or any third party entity.
​
Consent
By visiting, agreeing with, and accepting this Privacy Policy, and then sharing your information with this website, you consent to the collection and use of your information by our site development team. In so doing, you agree to abide by this Privacy Policy, this site’s Terms of Use, and this site’s disclaimer. You further acknowledge that you agree to be contacted by our Health & Life Solutions, Inc., regardless of the presence of your telephone number, or if you registered on any state or Federal DNC (“Do Not Call”) of DNE (“Do Not Email”) list or registry. Find their information online at https://www.donotcall.gov/.
​
CAN-SPAM Compliance
ExpertInsuranceTeam.com is committed to being compliant with all Federal regulations, including the Federal CAN-SPAM Act of 2003.
ExpertInsuranceTeam.com only sends email to those of our visitors who have “opted in” to receive these communications. Individuals “opt-in” to our email communications by voluntarily providing us with their email address and submitting a form that acknowledges their agreement with our Terms of Use and Privacy Policy.
You may “opt-out” of any communication from HealthandLifeSolutionsInc.com at any time, and we will remove you from our mailing list. In addition, you may contact us at the address above and request to be removed from our mailing list.
​
Cookies & Opting Out
Health & Life Solutions, Inc. uses one or more companies to place advertisements for our services on our site and third-party sites. Cookies and other technologies such as web beacons or tags are used to measure the effectiveness of our ads and to determine the display of content and advertising to you based on your interest both on our site, as well as on third-party sites where you may visit. To support this interest-based advertising solution, we and companies who we have contracted with may use anonymous information about your visits to our and other websites. The information collected and used by this process is always anonymous and does not enable any third-party to identify you individually.
​
Although it is our hope that you find the display of advertising to you based on your anonymous interests valuable, if you would prefer not to participate in the services offered through these solutions, you can always opt-out of this activity by following the browser-specific instructions at the following link: https://www.usa.gov/optout-instructions
​
TPMO Disclaimer Requirement
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
​
Contacting Us
If you have any questions about Health & Life Solutions, Inc. this website, our service, or this Privacy Policy, you may contact us at:
Health & Life Solutions, Inc.
Post Office Box 13155
Springfield, IL 62791
1(217)290-1768
​
If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by emailing our Customer Support at support@ExpertInsuranceTeam.com or by contacting us by telephone or postal mail at the contact information listed above.
​
Changes to This Policy
HealthandLifeSolutionsInc.com reserves the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our homepage. An updated copy of this Privacy Policy will be clearly posted and accessible on this website at all times.
This website is owned and operated by Health & Life Solutions, Inc.
Terms of Use
1. Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.
​
2. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on Health & Life Solutions, Inc. web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
• modify or copy the materials;
• use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
• attempt to decompile or reverse engineer any software contained on Health & Life Solutions, Inc. website;
• remove any copyright or other proprietary notations from the materials; or transfer the materials to another person or “mirror” the materials on any other server. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Expert Insurance Team at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
​
3. Disclaimer
The materials on Health & Life Solutions, Inc. web site are provided “as is”. Health & Life Solutions, Inc. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Health & Life Solutions, Inc. does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
​
4. Limitations
In no event shall Health & Life Solutions, Inc. or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Health & Life Solutions, Inc. Internet site, even if Health & Life Solutions, Inc. or a Health & Life Solutions, Inc. authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
​
5. Revisions and Errata
The materials appearing on Health & Life Solutions, Inc. web site could include technical, typographical, or photographic errors. Expert Insurance Team does not warrant that any of the materials on its web site are accurate, complete, or current. Expert Insurance Team may make changes to the materials contained on its web site at any time without notice. Health & Life Solutions, Inc. does not, however, make any commitment to update the materials.
​
6. Links
Health & Life Solutions, Inc. has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Health & Life Solutions, Inc. of the site. Use of any such linked web site is at the user’s own risk.
​
7. Site Terms of Use Modifications
Health & Life Solutions, Inc. may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
​
8. Governing Law
Any claim relating to Health & Life Solutions, Inc. web site shall be governed by the laws of the State of Illinois without regard to its conflict of law provisions.
General Terms and Conditions applicable to Use of a Web Site.
bottom of page