Terms of Use & Disclosures

[DRAFT: have an attorney or your agency’s compliance team review before going live]

License disclosure

Joe Fulmer is a licensed insurance producer in Mississippi (License #11170696, NPN 22283860). Insurance products are offered only in states where he is licensed: MS. Joe Fulmer is an independent agent, not an insurance company.

No offer of coverage

Information on this site is general and educational. Results from the quote tool show the type of coverage that may fit based on your answers. They are not a quote, an offer, or a guarantee of coverage or price. Every insurance company makes its own decision after you apply.

Not a government site

This site is not affiliated with or endorsed by the U.S. government, the federal Medicare program, the Centers for Medicare & Medicaid Services, or HealthCare.gov.

Consent to be contacted

When you check the consent box on this site, you agree to the following (version tcpa-v1-2026-11-10-DRAFT):

By checking this box, I agree that Joe Fulmer, a licensed insurance agent, may contact me about life insurance, final expense, health insurance and Medicare options at the phone number and email I entered, including by calls and text messages that may use automated technology or prerecorded or artificial voice messages. Consent is not a condition of any purchase. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of texts or HELP for help. I can withdraw consent at any time.

Use of this site

Please don’t misuse the site or enter information about someone else without their permission. [TODO: attorney to complete]