Terms of Use

Effective Date: October 15, 2021 (Updated for Compliance: November 2026)

USING OUR SITE

Five Star Shield Insurance and its subsidiaries and affiliates (collectively, “FSSI”) make life insurance simpler for people to buy online. These Terms of Use (the “Terms”) outline the rules and expectations that protect both you and Five Star Shield Insurance. Our goal is to keep them simple and easy to understand. If there's something you're not sure about, please reach out to us.

We use the term "Services" to refer to any of the products and services we sell online, any site information or Services provided on https://FiveStarShieldInsurance.com or our affiliated sites (collectively, the “Site”), and the growing community of people who use our platform.

We use the term your “Five Star Shield Insurance Account" to mean where you can find data about your insurance policies, your contact information, and any additional data you choose to add such as videos, photos, and property listings. When we write "we", "our", "us", or "FSSI", we mean Five Star Shield Insurance. And any time we write "you" or "your", we mean the person who is using our Services (and reading these Terms).

Remember: if you buy insurance using https://www.healthsherpa.com/?_agent_id=mmeeks, there are important laws, rules, conditions, exceptions, and requirements that apply to you and your insurance carrier for your issued insurance policy. Your rights and responsibilities are explained in your insurance policy, which will be digitally provided to you after you sign and remit your first payment. It will also be available in your HealthSherpa Account.

These Terms apply to you. You agree, as long as you continue to use our Services, to accept and follow these Terms, and to only use our Services as permitted. You understand that Five Star Shield Insurance sells insurance and should only be used by those who can legally buy an insurance contract where they live. Our Services are not available to minors. Specifically, by using or applying for Services, (i) you must be the person being insured on the policy; (ii) you must be the person that owns and pays for the policy; (iii) the primary purpose of the policy must be to protect your family; and at the time of submitting your application, (iv) you do not have any agreements in place to assign/sell the policy for which you are applying.

MOBILE MESSAGING TERMS, DATA SHARING & 10DLC COMPLIANCE

DATA SHARING

Customer data is not shared with 3rd parties for promotional or marketing purposes.
Mobile opt-in and consent are never shared with anyone for any purpose. Any information sharing that may be mentioned elsewhere in this policy excludes mobile opt-in data.

Five Star Shield Insurance MESSAGING TERMS AND CONDITIONS

Five Star Shield Insurance is an insurance company. We use text messaging to send appointment reminders, payment reminders, consent for provider change requests, general conversational messaging to answer questions, or send initial communication to new prospects that request information. It is also used for non-English speaking clients that want to use their translator app to communicate with us..
You can cancel the SMS service at any time. To opt out, reply STOP to any message. After you send the SMS message STOP to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
For help, reply HELP to any message or contact us at support@fivestarshieldinsurance.com or 866-598-2122. Or, you can reach us directly at info@fivestarshieldinsurance.com. Carriers are not liable for delayed or undelivered messages.
Carriers are not liable for delayed or undelivered messages.
When we receive your request for information reply to confirm you want to receive registration, appointment, and service updates from us. Message frequency varies depending on your interactions and service needs. Message and data rates may apply.
If you have any questions about your text plan or data plan, it is best to contact your wireless provider.If you have any questions regarding privacy, please read our privacy policy located at https://fivestarshieldinsurance.com/privacy-policy.

CONSENT TO DOING BUSINESS ELECTRONICALLY & CALL/COMPLIANCE RECORD RETENTION

By using our Services, you agree that all communications from us relating to products and Services, including insurance products, offered through the Site may be provided or made available to you electronically by e-mail, SMS text message, or at the Site. You further agree that we may accept an electronic signature from you, and that this electronic signature will have the same binding effect as a physical wet signature and will appear on all records related to the provision of any such products and services.

CALL RECORDING AND DOCUMENT RETENTION POLICIES:

All telephone calls with Five Star Shield Insurance are recorded and securely kept for 6 years.
Scope of Appointment (SOA) forms, Consent to write a policy and designate us as your agent forms, and Permission to Contact documents are securely retained for 10 years.

You agree that you have the ability to access, view, store, download, and print communications, documents, and hyperlinks we deliver or make available to you electronically through your computer or on your mobile device. You can find apps that support printing and saving electronic communications using your mobile device’s app store. If your mobile device does not have this functionality, you must access the Site through alternate means that provide you with the capability to print and save communications.

You may withdraw your consent to electronic communications and to use an electronic signature at any time. If you do withdraw your consent, from that time forward (1) you will be unable to apply for products or services, including insurance products, through the Site, and (2) we will be unable to continue processing any pending applications for products and services, including insurance products. To withdraw your consent of doing business electronically, please send us a written notice by email (info@fivestarshieldinsurance.com) or U.S. Mail (7000 Independence Pkwy Ste 156-343, Plano, TX 75025, Attn: Modena Meeks). You will not receive promotional, informational, or marketing content more than six times a year. For more information, you can review our Privacy Policy at https://fivestarshieldinsurance.com/privacy-policy.

LEAVING www.FiveStarShieldInsurance.com

Sometimes we may link to other companies or services, like an article, reference, referral, social media content, or promotion. We cannot guarantee these links as we don't manage content which is not on our Site, and links can change after they're posted. Five Star Shield Insurance isn't responsible for the practices of the sites or services to whom we link, including any of the content they show you. And those sites are not acting or ruled by the Site policies of Five Star Shield Insurance. The information you may share with any third parties, like the sites and services we may link to, is controlled by them and their site policies and terms. You understand and agree that we don't have control of those sites and we are not responsible if you give any third-party access to your data. You own any risk yourself for sharing information or viewing content on other sites.

This does not apply to sites we require you to visit in order to use our Services, such as third-party services for filing claims which may be hosted separately from our main domain. Also, if any of the Services provided to you contain an open-source license, there may be provisions in those licenses that expressly conflict with the Terms, in which case, the open source provisions will apply. Five Star Shield Insurance only sells insurance in states where we are licensed to sell.

Our Services are offered through our licensed insurance producer entity, Five Star Shield Insurance. Five Star Shield Insurance is not an insurance carrier. Instead, we provide the products and services of our admitted insurance carrier partners licensed to sell insurance in your state. Not all products are available in all states. Five Star Shield Insurance is paid a commission and may receive other performance-based compensation for its services. You can find a list of Five Star Shield Insurance licenses on our Site.

The products we offer are only for people who live in the United States. We don't and don't intend to sell insurance products outside the United States, or anywhere Five Star Shield Insurance isn't licensed.

OUR QUOTE IS NOT THE FINAL PRICE & PREQUALIFICATION POLICY

Five Star Shield Insurance generates quotes for life and health insurance products. These prices change based on your answers to our questions and information collected during your application, your choices for different products, or due to changes in insurance pricing guides. For example, if you apply for life insurance just before your birthday, but don't pay for it that day, it can cost more a few days later --- as it's after your birthday and your price may go up as you get older. Whenever you leave your application before you pay, your price may change. Your price isn't final and set until you sign your insurance contract with our insurance carrier and pay your initial premium.

That is why we prefer that you allow us to prequalify you, which requires your social security number to review your Medical Information Bureau (MIB) consumer file (mib.com) to verify your application details. If you agree to start the product, payment will be due immediately and subsequent payment will be drafted on your requested day of the month. For life products, there is a 30-day tryout period where you can cancel and receive a full refund.

Five Star Shield Insurance PROTECTS ITS BRAND AND ASSETS

© 2025–2026 Five Star Shield Insurance. All rights reserved. Five Star Shield Insurance and all of our logos and designs are trademarks and/or service marks of Five Star Shield Insurance. You may not use our images or logos without first getting the okay from us in writing.

Everyone who uses our Services and visits our Site should respect intellectual property laws and the rights of Five Star Shield Insurance. If something does not look right on our Site or if you have any concerns, you may send us questions. We will work quickly to look into your question and will remove material from our Site if we determine third party copyrighted material is displayed without Five Star Shield Insurance holding a license to do so. Your notice must follow the requirements of U.S. Copyright Act 17 U.S.C. 512(c)(3) and all regulations promulgated, each as amended (Notice Requirements), and/or the specific requirements of the Digital Millennium Copyright Act of 1998 (DMCA), whichever applies. If you inappropriately report a violation, infringement, or ownership of a copyright, you may be liable for damages (including reasonable costs and attorneys' fees).

Five Star Shield Insurance’ name, logos, designs, business processes, and everything else that's part of our Services are protected by intellectual property rights including copyright, trademark, trade secret, and other laws of the United States. Our Terms don't give you any license to use any of our intellectual property, other than as necessary to use our Services and to assist you in purchasing insurance products we make available to you.

You agree to honor Five Star Shield Insurance' ownership rights related to our Services and the rights of the other parties whose intellectual property is included in the Services. You will not misuse Services or any third party intellectual property used along with the Services. You may not copy or reproduce any of the Services in any form or by any means; you may not rent, sell, lease, grant, modify, distribute, or create derivative works based on the Services. You will not trespass, bypass, interfere with, disrupt any host or network systems, burden the network capacity, overload, flood, spam, mail-bomb, infect, or install or send a virus, spyware, or any other malware or Trojan horse of any kind, or in any other way disrupt the proper operation of the Services.

We are not granting you any right, title, license, or interest in the Services.

YOUR Five Star Shield Insurance ACCOUNT

Your Five Star Shield Insurance account keeps your relevant content and documents related to the Services, such as copies of your policy documents. Additionally, for health and ACA marketplace insurance products, your account or client profile will be securely created and managed through HealthSherpa (healthsherpa.com), an approved official partner platform of the Centers for Medicare & Medicaid Services (CMS). HealthSherpa provides a streamlined, secure environment to browse health plans, compare benefits, check subsidy eligibility, and complete secure enrollments.

We strive to keep your information safe. The most sensitive part of data security is your password. We need to be able to assume that anyone using your Five Star Shield Insurance Account, by using your password and credentials, is you. We'll never ask you to email us your password. Don't share it with anyone. Always use a unique, hard-to-guess password. Quickly ask to reset your password if you ever suspect that your password and credentials are ever at risk.

Also, by creating your Five Star Shield Insurance Account, you agree that the information you share is true and accurate, and that you will keep your information up-to-date, complete, and accurate. This is important for both managing your insurance products and offering you exceptional service. For example, if you move to a new place, your policy may have to be updated as each state has different rules for insurance products.

DISCLAIMER OF WARRANTIES

WE DO NOT PROVIDE ANY WARRANTIES WITH RESPECT TO THE USE OF THE SERVICES, INCLUDING ANY AND ALL SOFTWARE INCLUDED THEREIN, WHICH IS PROVIDED "AS-IS". YOU USE OUR SERVICES WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OR CONDITION OF ANY KIND, AT YOUR OWN RISK. FIVE STAR SHIELD INSURANCE DISCLAIMS ANY AND ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not take on or assume any responsibility for any harm, loss, or corruption to you, your computer, or your data (or any third party data or computer) from your use of our Services. Some states don't allow for these limitations of liability. If you live in one of these states, then these warranties will be limited and the limitation on liability will be $100.00 in the aggregate for any and all claims.

The Services include information to help you think through what insurance is best for you. We aren't a replacement for your lawyer, financial advisor, or tax planning specialist. We simply provide useful information to help you think through your insurance decisions.

LIMITATION OF LIABILITY

IN NO EVENT SHALL (I) FIVE STAR SHIELD INSURANCE BE LIABLE TO YOU OR ANY THIRD PARTY FOR SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, REVENUES OR SAVINGS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE, AND (II) OUR LIABILITY FOR DAMAGES TO YOU OR ANY THIRD PARTIES EXCEED, IN THE AGGREGATE, THE FEES PAID BY YOU TO US DURING THE LAST YEAR PRIOR TO THE DATE SUCH CAUSE OF ACTION ARISES.

YOU ACKNOWLEDGE THAT (I) THE LIMITATIONS ON LIABILITY IN THIS SECTION ARE REASONABLE AND THAT THE PROVISIONS OF THIS SECTION ALLOCATE THE RISKS UNDER THIS AGREEMENT BETWEEN YOU AND US (AND OUR AFFILIATES), AND (II) WE AND YOU HAVE RELIED UPON THE LIMITATIONS SET FORTH HEREIN IN DETERMINING WHETHER TO AUTHORIZE YOU TO USE THE SERVICES. THE REMEDIES PROVIDED TO YOU IN THE TERMS ARE EXCLUSIVE.

Some states do not allow for these limitations of liability. If you live in one of these states, these limits don't apply to you, and the maximum liability for any of these violations will be $100.00 in the aggregate for any and all claims.

THE TERMS AND YOUR USE OF THE SERVICES WILL BE GOVERNED BY TEXAS LAW EXCEPT FOR ITS CONFLICTS OF LAWS PRINCIPLES. ALL CLAIMS ARISING OUT OF OR RELATING TO THE TERMS OR ANY USE OF THE SERVICES WILL BE LITIGATED EXCLUSIVELY IN THE FEDERAL OR STATE COURTS RESIDING IN COLLIN COUNTY, TEXAS. WE AND YOU EACH CONSENT TO VENUE AND PERSONAL JURISDICTION THERE.

OUR TERMS WILL CHANGE AS Five Star Shield Insurance EVOLVES AND GROWS

We will change the Terms as Five Star Shield Insurance and the insurance industry evolves and grows over time. Your continued use of the Services, after a change to the Terms, means you agree to the Terms, including any changes. If you no longer agree with the Terms, please stop using the Services.

INSURANCE PRODUCTS & CARRIER DISCLOSURES

Our insurance products are issued by several top-tier carriers. Insurance products are only available to people in those jurisdictions in which they may be legally sold. By applying for insurance products through the Site, you are agreeing to (1) designate us as your agent of record, (2) authorize us to communicate such designation to any insurance carrier, your prior insurance producer, and any other person or entity we should be advised, and (3) permit us to receive any compensation that any insurance carrier agrees to pay to us in connection with your purchase of insurance products. With respect to any insurance product, if any term or condition of these Terms differ from the terms and conditions of the policy, the policy’s provisions will be controlled.

Five Star Shield Insurance does not provide any legal, regulatory, accounting, or tax advice, and you must rely upon your own advisors before making any financial decision.

REFERRALS

Five Star Shield Insurance may at times offer you the opportunity to refer friends. At any time, or by using the Feedback Form, you can refer friends, family members or colleagues whom you personally know (collectively, “Friends”). Referred Friends may inquire about our services and products and are under no obligation to apply or enroll in a policy with Five Star Shield Insurance.

My goal is to always be within reach when you need me. Should any of your friends or family ever need trusted guidance with their health or life insurance, introducing them is the highest compliment I could receive. Please keep in mind that due to Medicare regulations, if they are eligible for Medicare, I am legally unable to call them first—they must initiate contact. But whenever you're ready, I am always honored to be their trusted personal advocate and happy to help once they reach out!

Anti-Money Laundering (AML)

Five Star Shield Insurance strives to monitor, detect, and prevent transactions that may involve fraud, money laundering, terrorist financing, or other illegal activity and to report applicable situations as may be required by law. Five Star Shield Insurance reserves the right to deny Service to anyone where we have a reasonable suspicion of violations of any applicable law.

Contact Us:

Five Star Shield Insurance

7000 Independence Pkwy Ste 156-343, Plano, TX 75025

Email:info@fivestarshieldinsurance.com

Terms of Use

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