Terms of Use

Placeholder text. This page should be reviewed and finalized before publishing.

Informational purposes

This website is for general information only and is not an offer of insurance, a quote, or a guarantee of coverage or approval. Any policy is subject to carrier underwriting, terms, conditions, exclusions, and limitations.

Not an application

Submitting a form on this site is a request for information only. It is not an application for insurance, and no coverage exists until a carrier issues a policy.

Scope of services

Ricky Binet is a licensed insurance agent (Florida License #W664346, NPN #19591092) and is not a financial advisor, investment advisor, financial planner, CPA, or attorney. Nothing on this site is tax, legal, or investment advice.

Availability

Products and services are available only in states where Ricky Binet is licensed. Product availability, features, and pricing vary by carrier and by state.