Terms of Service

Last Updated: August 2026

Welcome to the website of KM Insurance Planning. By accessing or using this website, you agree to comply with and be bound by the following Terms of Service. If you do not agree with these terms, please do not use this website.

1. Educational Purpose Only (No Advice)

The information provided on this website—including details regarding Medicare options, life insurance products, and retirement planning—is for general educational and informational purposes only. Content on this site does not constitute formal legal, tax, financial, or medical advice. Insurance and Medicare decisions should be made based on your individual situation after direct consultation with a licensed professional.

2. Insurance Licensing & Availability

KM Insurance Planning offers life insurance and Medicare advisory services in jurisdictions where properly licensed. Nothing on this website constitutes an offer to sell or a solicitation of insurance in any state or jurisdiction where KM Insurance Planning or its representatives are not licensed to operate.

3. No Binding Contracts or Immediate Coverage

Submitting a request for a quote, contact form, or message through this website does not create a binding insurance contract or immediately bind coverage. Insurance coverage cannot be bound, altered, or canceled until confirmed directly by a licensed agent or the underwriting carrier.

4. Medicare Disclosure

KM Insurance Planning is an independent insurance agency and is not affiliated with, endorsed by, or connected to the federal Medicare program or the Centers for Medicare & Medicaid Services (CMS).

5. Limitation of Liability

KM Insurance Planning strives to ensure all information on this site is accurate and up to date, but makes no guarantees regarding completeness or accuracy. You agree to use this website at your own risk. To the fullest extent permitted by California law, KM Insurance Planning shall not be liable for any damages arising out of your reliance on the content of this site.

6. Contact Information

If you have questions regarding these Terms of Service, please contact us:

• Phone: 253-241-3603

• Email: Info@kmbenefits.com