Terms of Service

These Terms of Service ("Terms") govern your use of this website operated by Idrissa Johnson, a licensed health and life insurance agent serving Massachusetts and Connecticut ("we," "us," or "our"). By accessing or using this site, you agree to these Terms. If you do not agree, please do not use the site.

1. Informational Purpose Only

The content on this website is provided for general informational purposes and does not constitute insurance, financial, legal, or tax advice. Nothing on this site is an offer to sell or a solicitation to buy any insurance product in any jurisdiction where we are not licensed.

2. Licensing

Idrissa Johnson is a licensed insurance agent operating in the Commonwealth of Massachusetts and the State of Connecticut. Products and availability vary by state, carrier, and individual eligibility. We can only place coverage in states where we hold an active license.

3. No Guarantee of Coverage or Rates

Any quotes, premium ranges, or estimates provided on this site — including any output from interactive estimation tools — are illustrative only and are not a guarantee of coverage, eligibility, or final pricing. Actual rates, terms, and approval are determined solely by the issuing carrier following underwriting, and depend on factors such as age, health status, and the information you provide.

4. Estimation Tools

Calculators and needs-assessment tools on this site generate rough, non-binding figures for educational purposes. They do not account for your full financial picture and should not be relied upon as a substitute for a personalized consultation.

5. Your Responsibilities

You agree to provide accurate information and to use this site only for lawful purposes. Providing false or misleading information may affect your eligibility for coverage or the validity of any policy issued.

6. Intellectual Property

All content, branding, and materials on this website are owned by or licensed to us and may not be copied, reproduced, or distributed without prior written permission.

7. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on its content. The site is provided "as is" without warranties of any kind.

8. Governing Law

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict-of-law principles.

9. Changes to These Terms

We may update these Terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the revised Terms.

10. Contact Us

Idrissa Johnson — Licensed Health & Life Insurance Agent
Serving Massachusetts & Connecticut
Phone: (617) 710-0477

This page is provided for general informational purposes and does not constitute legal advice. Insurance products are offered through licensed, A-rated carriers, subject to underwriting and state licensing requirements.