Terms and Conditions

These terms govern your use of cobramypolicy.com. Please read them before using the site. By accessing or using the site, you agree to be bound by them.

Last updated 1 August 2026.

1. Who We Are

This website is owned and operated by Prodest Insurance Group, LLC, a licensed insurance agency with offices at 7000 West Palmetto Park Rd, Suite 300, Boca Raton, Florida 33433. In these terms, “we”, “us” and “our” refer to Prodest Insurance Group, LLC. “You” refers to the person using the site.

We are a licensed insurance agency, not an insurance carrier. We do not underwrite policies, issue insurance contracts, pay claims, or set premiums. Those are functions of the insurance company that issues your policy. Our Licensing page lists the states in which we hold an active license.

2. Eligibility

You must be at least 18 years old and a resident of the United States to use this site. If you are using the site on behalf of another person, you confirm that you are authorised to act for them and to provide their information, including any consent to be contacted.

We are licensed in a limited number of states. If you reside in a state where we are not licensed, we cannot offer, sell, or assist you with the purchase of insurance.

3. Information on This Site Is Educational

The content on this site is general information about health insurance. It is not advice about your specific circumstances, and it is not medical, legal, tax, or financial advice.

Insurance rules, plan availability, pricing, benefits, exclusions, and eligibility change over time and vary by state, county, carrier, and household. We take care to keep the site accurate and to cite official sources where we can, but we do not warrant that the information is complete, current, or applicable to you. Where this site differs from a plan document, a carrier’s materials, or applicable law, those govern.

Nothing on this site constitutes an offer of insurance, a binding quote, or a guarantee of coverage or eligibility. Coverage is only in force when a carrier has accepted your application and issued a policy.

4. Information You Give Us

When you submit a form on this site, you confirm that the information you provide is accurate and that you are the person it describes, or are authorised to provide it on their behalf.

Submitting a form is a request for contact. It does not enrol you in any plan and does not create an agency relationship or an insurance contract.

Where a form asks for your consent to be contacted by telephone, text message, or email, that consent is given by you knowingly and may be withdrawn at any time. You can withdraw it using our Privacy Request form, by telling any agent during a call, or by the methods described in our Do Not Call Policy.

How we handle the information you give us is described in our Privacy Policy.

5. Use of the Site

We grant you a limited, revocable, non-exclusive licence to access and use this site for your own personal, non-commercial purposes.

You agree not to: copy, reproduce, republish, or redistribute the content of this site except as permitted by law; use the site to build a competing product or service; scrape, harvest, or extract data from the site by automated means; attempt to gain unauthorised access to the site or any system connected to it; introduce malicious code; or use the site in any way that is unlawful or that interferes with its operation or with other users.

We may modify, suspend, or discontinue any part of the site at any time without notice.

6. Intellectual Property

The content of this site, including text, layout, graphics, and design, is owned by Prodest Insurance Group, LLC or its licensors and is protected by copyright and other laws. Trademarks, logos, and service marks displayed on the site belong to us or to their respective owners and may not be used without permission.

Nothing in these terms transfers any ownership in that material to you.

7. Third-Party Links

This site links to external websites, including federal government sources such as the Department of Labor, the Centers for Medicare & Medicaid Services, and the Federal Trade Commission. We provide these links for reference. We do not control those sites and are not responsible for their content, accuracy, or availability, and a link does not imply endorsement.

If you are referred to an insurance carrier, that carrier’s own terms and privacy policy apply to your dealings with them.

8. Disclaimer of Warranties

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

Some states do not allow the exclusion of implied warranties, so parts of this section may not apply to you.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF, OR INABILITY TO USE, THIS SITE, INCLUDING ANY DECISION MADE IN RELIANCE ON INFORMATION PUBLISHED HERE.

Some states do not allow the limitation or exclusion of certain damages, so parts of this section may not apply to you. Nothing in these terms limits any liability that cannot be limited by law, and nothing in these terms affects your rights under applicable insurance law or your rights against an insurance carrier under a policy you hold.

10. Indemnity

You agree to indemnify and hold harmless Prodest Insurance Group, LLC and its officers, employees, and agents from any claim, demand, loss, or expense, including reasonable legal fees, arising from your misuse of the site, your breach of these terms, your violation of any law, or your submission of information you were not authorised to provide.

11. Changes to These Terms

We may update these terms from time to time. The date at the top of this page shows when they were last changed. Continuing to use the site after a change means you accept the revised terms. We encourage you to review this page periodically.

12. Governing Law

These terms are governed by the laws of the State of Florida, without regard to its conflict of laws rules. Any dispute arising from these terms or your use of the site will be brought in the state or federal courts located in Palm Beach County, Florida, and you consent to the jurisdiction of those courts.

Nothing in these terms prevents you from raising a complaint with a state insurance department, the Federal Trade Commission, or any other government agency.

13. General

If any part of these terms is found to be unenforceable, the rest remains in effect. Our failure to enforce any provision is not a waiver of it. These terms, together with our Privacy Policy and Do Not Call Policy, form the entire agreement between you and us regarding your use of this site. You may not assign your rights under these terms; we may assign ours.

Communications between us may be electronic. You agree that notices and disclosures we provide electronically satisfy any requirement that they be in writing.

14. Contact

Prodest Insurance Group, LLC
7000 West Palmetto Park Rd, Suite 300
Boca Raton, FL 33433
(888) 918-4516 · [email protected]
Monday to Friday, 10:00 a.m. to 5:30 p.m. Eastern

This website provides educational information about health insurance and is a solicitation for insurance. It is a non-government website operated by Prodest Insurance Group, a health insurance agency that presents health plans, which may include Affordable Care Act (ACA) plans, private health insurance, short-term medical insurance, or supplemental insurance based on the consumer's selection. Qualified ACA plans must meet or exceed the essential benefit requirements of the Affordable Care Act; non-ACA plans are not required to provide all of the essential benefit requirements contained in the Affordable Care Act. Pre-existing condition provisions, benefit availability, limitations and exclusions vary by plan type and state. You should review all plan details and product brochures before purchase. To qualify for ACA health insurance coverage outside of the open enrollment period, you must meet special enrollment requirements.

*Eligibility for Affordable Care Act (ACA) Advance Premium Tax Credit (APTC) and cost-sharing reductions is based on annual federal income thresholds, household size, and plan availability within the applicable service area. Premium rates, plan availability, and subsidy amounts vary by state and marketplace. Final eligibility and premium obligations are determined by the Health Insurance Marketplace under Internal Revenue Code Section 36B and applicable federal regulations.

COBRA My Policy is a website operated by Prodest Insurance Group, a privately owned non-government website. Prodest Insurance Group, LLC, National Producer Number 19515569. This website serves as an invitation for you to inquire about further information regarding health insurance, and submission of your contact information constitutes permission for a licensed agent of Prodest Insurance Group to contact you with further information, including complete details on cost and coverage of health insurance.