Terms & Conditions

Effective Date: January 8, 2026

Website Use

By accessing or using this website, you agree to these Terms and Conditions. If you do not agree, please do not use this website.

Informational Use Only

All content on this website is provided for general informational purposes only and does not constitute insurance advice, legal advice, or a binding offer of coverage.

Insurance coverage, availability, pricing, and terms vary by carrier and individual circumstances.

Coverage Changes & Policy Confirmation

Please be advised that no insurance coverage can be added, deleted, or modified unless and until such changes are confirmed directly by Polar Insurance Agency.

Information submitted through this website does not bind coverage or alter existing policies. All coverage is subject to carrier underwriting guidelines and approval.

No Guarantee of Coverage

Submitting information through this website does not guarantee insurance coverage, approval, or issuance of a policy.

Medicare Disclaimer (CMS Required – Southeast Wisconsin)

We do not represent every Medicare plan available in your area.

Currently, we represent 8 organizations that offer 52 Medicare products in your service area. Any information provided on this website is limited to the plans we offer.

For information on all Medicare options available, please contact:

  • Medicare.gov

  • 1-800-MEDICARE (1-800-633-4227)

  • Your local State Health Insurance Assistance Program (SHIP)

Intellectual Property

All content on this website, including text, graphics, logos, images, and layout, is the property of Polar Insurance Agency or its licensors and may not be reproduced without written permission.

Limitation of Liability

Polar Insurance Agency is not liable for any direct or indirect damages resulting from:

  • Use of this website

  • Reliance on website content

  • Errors or omissions in content

  • Temporary website unavailability

Use of this website is at your own risk.

Third-Party Links

This website may contain links to third-party websites. Polar Insurance Agency does not control or endorse the content or privacy practices of those websites.

Modifications

We reserve the right to modify these Terms and Conditions at any time without prior notice. Continued use of the website constitutes acceptance of any changes.

Governing Law

These Terms and Conditions are governed by the laws of the State of Wisconsin.

Contact

For questions regarding these Terms and Conditions, please contact:
Polar Insurance Agency
Use this link to contact us