Disclosures

Simple Start Insurance Regulatory Disclosures

Effective Date: August 11, 2025
Last Updated: August 11, 2025

Licensing Information

Simple Start Insurance operates as a licensed insurance brokerage. Our agents are licensed to sell insurance in multiple states as detailed below:

Primary Agent: Andrew Harris

Currently Active Licenses:
– Florida: W728934 (Primary License) – Active ✓
– Arizona: License #666257 – Expires 01/31/2026 ✓
– Kentucky: License #1340082 – Expires 08/31/2025 ✓

Licenses Requiring Immediate Renewal:
– Alabama: 3001060570 – Expires 01/31/2025
– Kansas: NPN – Expires 01/31/2025
– New Mexico: NPN – Expires 01/31/2025
– Oklahoma: 3001060316 – Expires 01/31/2025
– South Carolina: NPN – Expires 01/31/2025
– Tennessee: 3001066143 – Expires 01/31/2025
– Texas: 2385101 – Expires 01/31/2025
– Virginia: 1349004 – Expires 01/31/2025

Secondary Agent: Jasmine
– Florida: W681639 – Active ✓
– Kentucky: 1340082 – Expires 08/31/2025 ✓
– Indiana: 3851530 – Expires 08/31/2025 ✓
– Georgia: 3653127 – Expires 07/21/2025 ✓

Current Service Areas

We are currently licensed and authorized to provide services in:
– ✓ Florida (Primary service area)
– ✓ Arizona
– ✓ Kentucky
– ✓ Indiana (Jasmine licensed)

Service Temporarily Unavailable: Due to expired licenses, we cannot currently serve residents of Colorado, Georgia (Andrew), Missouri, New Jersey, Ohio, Wisconsin, or other previously licensed states until licenses are renewed.

License Verification

Verify Our Licenses:
– Florida: Visit MyFloridaCFO.com → Agent License Lookup
– Arizona: Visit insurance.az.gov → License Verification
– Kentucky: Visit insurance.ky.gov → License Search
– Indiana: Visit in.gov/idoi → License Verification

Important: Always verify current license status before purchasing insurance. License status can change due to renewals, regulatory actions, or other factors.

Insurance Carrier Appointments

We maintain active appointments with major insurance carriers, including:

Health Insurance Carriers:
– Ambetter (Centene Corporation)
– Florida Blue (Blue Cross Blue Shield of Florida)
– Molina Healthcare
– Oscar Health Plans
– UnitedHealthcare
– Humana
– Cigna Healthcare

Medicare Carriers:
– UnitedHealthcare Medicare Solutions
– Humana Medicare
– Cigna-HealthSpring
– Florida Blue Medicare

Carrier appointments vary by state and are subject to change. Not all carriers are available in all licensed states.

Compensation Disclosure

How We Are Compensated:

Commission Structure:
– We receive commissions from insurance carriers when you enroll in coverage
– Commission rates typically range from 1% to 8% of annual premiums
– Rates vary by carrier, product type, and state regulations
– Medicare commissions are regulated and standardized by CMS

Transparency Commitment:
– We will disclose if we recommend a product with higher commission rates
– Our recommendations are based on your stated needs and preferences
– We provide objective comparisons of available options

Potential Conflicts of Interest

Disclosure of Conflicts:
– Different commission rates exist between insurance carriers
– Some carriers may offer volume bonuses or incentive programs
– We may have marketing agreements with certain carriers
– Higher commission products are not necessarily better for your situation

Our Professional Commitment:
– We pledge to recommend coverage that best meets your stated needs
– We will explain why we recommend specific products
– We provide transparent comparisons of available options
– Your satisfaction and long-term relationship are our priorities

Regulatory Oversight

Primary Regulatory Authority:

Florida Department of Financial Services
Division of Agent and Agency Services
200 E. Gaines Street, Tallahassee, FL 32399-0319
Phone: 1-877-693-5236
Website: MyFloridaCFO.com
Consumer Complaints: File online at MyFloridaCFO.com

Additional Regulatory Bodies:
– Arizona: Arizona Department of Insurance and Financial Institutions
– Kentucky: Kentucky Department of Insurance
– Federal: Centers for Medicare & Medicaid Services (CMS) for Medicare products

Consumer Rights and Protections

Your Rights Include:
– Receive accurate, truthful information about insurance products
– Have access to product brochures and policy documents
– File complaints with state insurance departments
– Cancel coverage during specified periods without penalty
– Receive prompt, professional claim service from insurance carriers
– Privacy protection for your personal and health information

How to File Complaints:

Step 1 – Contact Us Directly:
– Phone: +1 786-730-9658
– Email: support@simplestartinsurance.com
– We will respond within 1 business day and work toward resolution

Step 2 – Contact the Insurance Carrier:
– Each carrier has customer service and complaint resolution procedures
– We can assist you with carrier complaint processes

Step 3 – State Insurance Department:
– File formal complaints with the insurance department in your state
– Complaints are investigated and carriers must respond officially

Step 4 – Federal Agencies (if applicable):
– CMS for Medicare-related issues: 1-800-MEDICARE
– Department of Health and Human Services for HIPAA violations
– Better Business Bureau for business practice concerns

Professional Standards and Memberships

Professional Associations:
– National Association of Health Underwriters (NAHU)
– Florida Association of Health Underwriters (FAHU)
– Better Business Bureau (Member)

Continuing Education:
– We complete all required continuing education hours annually
– Additional professional development training throughout the year
– Regular updates on insurance law, product changes, and regulations

Errors and Omissions Insurance

Professional Liability Coverage:
– We maintain comprehensive Errors & Omissions (E&O) insurance
– Coverage Limit: $1,000,000 per occurrence / $3,000,000 aggregate
– Policy includes defense costs and regulatory proceedings coverage
– Coverage protects you in case of professional errors or oversights

Health Insurance Marketplace Certification

Marketplace Services:
– We are certified to assist with Health Insurance Marketplace enrollments
– Current certification maintained with Centers for Medicare & Medicaid Services (CMS)
– Follow all federal guidelines for marketplace assistance
– Trained on annual marketplace changes and special enrollment periods

Important Legal Disclaimers

Scope of Services:
– We provide insurance brokerage services, not legal, tax, or comprehensive financial advice
– Our recommendations are based on information you provide and our professional judgment
– Insurance coverage is subject to carrier underwriting and approval
– We are not responsible for carrier coverage decisions or claim determinations

Geographic Limitations:
– Services only available in states where we maintain active licenses
– Insurance products vary by state due to regulatory differences
– We cannot provide services to residents of unlicensed states

Data Security and Privacy

Information Protection:
– We maintain comprehensive data security measures as detailed in our Privacy Policy
– HIPAA compliant handling of Protected Health Information (PHI)
– Regular security training for all staff members
– Secure systems for data storage and transmission

Contact Information

Simple Start Insurance
Regulatory Compliance Officer: Andrew Harris
Phone: +1 786-730-9658
Email: support@simplestartinsurance.com
Website: https://simplestart.co
Licensed States: FL (Primary), AZ, KY, IN (Jasmine)

Business Address:
[Your Business Address]
[City, State, ZIP]

Office Hours:
Monday – Friday: 9:00 AM – 6:00 PM EST
Saturday: 10:00 AM – 2:00 PM EST
Sunday: By appointment only