Terms of Service
Last updated: January 1, 2026
1. Acceptance of Terms
By accessing or using the American Rate Finder website and rate comparison service (the "Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service. We reserve the right to update these terms at any time, and your continued use of the Service constitutes acceptance of any changes.
2. Description of Service
American Rate Finder is a free Medicare supplement insurance rate comparison service. We connect consumers with licensed insurance agents who can provide quotes for Medigap (Medicare Supplement) plans. We are not an insurance carrier, and we do not sell insurance directly. All rates shown are estimates and may vary based on individual circumstances, location, and carrier availability.
3. Not Affiliated with the Government
This service is not affiliated with, endorsed by, or connected to the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or the federal Medicare program. Medicare is a federal health insurance program administered by the U.S. government. Medigap plans are sold by private insurance companies.
4. No Insurance Advice
The information provided through this Service is for general informational purposes only and does not constitute insurance, legal, financial, or tax advice. Rate estimates are not guaranteed and are subject to change. You should consult with a licensed insurance professional before making any insurance purchasing decisions.
5. User Representations
By using this Service, you represent and warrant that you are at least 18 years of age, you have the legal capacity to enter into these Terms, you will provide accurate and truthful information when using the quote form, and you will not use the Service for any unlawful purpose or in violation of these Terms.
6. Consent to Contact
By submitting a quote request, you expressly consent to be contacted by licensed insurance agents and their representatives via telephone, email, or text message, even if your number is listed on a Do Not Call registry. You may opt out of communications at any time by notifying the agent directly or contacting us.
7. Intellectual Property
All content on this website, including text, graphics, logos, and software, is the property of Lower Plan G or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
8. Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. RATE ESTIMATES ARE NOT GUARANTEED AND MAY NOT REFLECT ACTUAL AVAILABLE RATES.
9. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, MEDICARE SUPPLEMENT SAVINGS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE OR RELIANCE ON ANY INFORMATION PROVIDED HEREIN, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the United States.
11. Contact Information
If you have questions about these Terms of Service, please contact us at:
Lower Plan G
Phone: (855) 230-6565
Hours: Mon–Thu 9am–6pm, Fri 9am–12pm EST