Terms of use.

Welcome to CoverageBeacon.com (the "Site"), operated by QLG Media LLC ("Company," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms of Use. If you do not agree, please discontinue use of the Site.

1. About this Site

CoverageBeacon is a marketing services brand operated by QLG Media LLC. We help consumers explore Medicare, ACA Marketplace, and Final Expense coverage options by connecting them with licensed insurance agency partners. CoverageBeacon is not an insurance company and does not underwrite, issue, or directly sell insurance policies. All coverage is offered and serviced by the licensed agency partners listed on our marketing partners page.

2. Not insurance, legal, medical, or financial advice

The content on this Site is for general informational purposes only. Nothing on CoverageBeacon constitutes insurance advice, legal advice, medical advice, or financial advice. Coverage availability, eligibility, premiums, and plan features vary by carrier, state, and individual circumstances. You should consult a licensed insurance agent and, where appropriate, your own legal, tax, medical, or financial professional before making coverage decisions.

3. No government affiliation

CoverageBeacon is a private company. We are not affiliated with, endorsed by, or connected to the Centers for Medicare & Medicaid Services (CMS), the federal Medicare program, the Health Insurance Marketplace at HealthCare.gov, the Social Security Administration, the Department of Health and Human Services, or any state or federal government agency. The Medicare government website is medicare.gov and the official Marketplace is healthcare.gov.

4. Use of the Site

You agree to use the Site only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use of the Site. You agree not to:

• Submit false, misleading, or impersonated information through any form, chat, or contact method on the Site;
• Use the Site or any information obtained from it to send unsolicited commercial communications;
• Scrape, mirror, crawl, or otherwise programmatically harvest content from the Site;
• Attempt to interfere with, probe, or compromise the technical operation, security, or integrity of the Site.

5. Calls and communications

If you provide your phone number through the Site or initiate a call to one of the phone numbers listed on the Site, you understand that you may be contacted by one of CoverageBeacon's licensed insurance agency partners (or buyers downstream of our marketplace). Specific calling and texting consents are governed by the consent language presented at the point of submission. To stop calls or remove your information, use our universal opt-out at qlg.media/do-not-sell.

6. Intellectual property

All content on the Site, including text, graphics, logos, images, and software, is the property of QLG Media LLC or its licensors and is protected by U.S. and international copyright and trademark laws. The CoverageBeacon name and logo are marks of QLG Media LLC. Nothing on the Site grants you a license to use those marks except for clearly attributed editorial reference.

7. Third-party links and references

The Site may contain links to or references to third-party websites, companies, or services for descriptive purposes. CoverageBeacon does not endorse and is not responsible for the content, accuracy, or practices of any third-party site or company except where expressly stated. References to insurance carriers and agencies are descriptive and do not imply endorsement or affiliation unless explicitly stated.

8. Submissions

Any information you submit through the Site, including form submissions, chat responses, and contact requests, is handled in accordance with our Privacy Policy. By submitting information, you represent that the information is accurate and that you are authorized to submit it.

9. Disclaimer of warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied. QLG Media LLC does not warrant that the Site will be uninterrupted, error-free, secure, or free of harmful components. Coverage examples, savings estimates, plan descriptions, and similar content are illustrative; actual coverage, premiums, and benefits vary.

10. Limitation of liability

To the maximum extent permitted by law, QLG Media LLC and CoverageBeacon will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or related to your use of the Site, even if advised of the possibility of such damages.

11. Changes to these Terms

We may revise these Terms from time to time. Material changes will be reflected by an updated "Last updated" date at the top of this page. Your continued use of the Site after a revision constitutes acceptance of the updated Terms.

12. Governing law

These Terms are governed by the laws of the state in which QLG Media LLC is incorporated, without regard to its conflict-of-laws principles. Any dispute arising under these Terms is subject to the exclusive jurisdiction of the state and federal courts located in that state.

13. Contact

Questions about these Terms can be directed to QLG Media LLC at [email protected]. For privacy-specific inquiries, use the contact in our Privacy Policy.