Terms & Conditions

Effective Date: January 1, 2026

By using insurekauai.com, you agree to the following Terms & Conditions.

Use of Website

This website is for informational purposes only and does not constitute insurance, legal, or financial advice.

Submitting information does not guarantee coverage or enrollment.

No Guarantee of Coverage

Insurance and Medicare plan availability varies by:

• state

• county

• eligibility

• carrier approval

Not all plans or benefits are available in every area.

Licensing Disclosure

Garden Island Insurance Agency is a licensed insurance agency.

Medicare products are offered by Laurie Smith, a licensed Medicare agent.

We represent multiple carriers but do not offer every plan available in your area.

To compare all options, visit:

Centers for Medicare & Medicaid Services Medicare.gov

or call 1-800-MEDICARE.

Communications Consent

By checking the SMS Text Message consent box on our website forms, you agree to receive:

• phone calls

• emails

• SMS text messages

regarding quotes, services, and policy updates.

SMS Text Message frequency may vary.

SMS Text Message and data rates may apply.

SMS Text Message Consent not shared with third parties (except SMS providers).

Reply STOP to unsubscribe.

Third-Party Links

Our website may link to external sites. We are not responsible for their content or privacy practices.

Intellectual Property

All content on this site is the property of Garden Island Insurance Agency LLC and may not be copied or reused without permission.

Limitation of Liability

We are not liable for:

• website interruptions

• technical errors

• carrier decisions

• plan changes

Users assume responsibility for their decisions.

Changes to Terms

We may update these Terms at any time. Continued use of the website constitutes acceptance of changes.

Carrier Liability Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

Age Restriction

You must be at least 18 years old to use our services or submit your information through this website.

Privacy Policy Reference

For details on how we collect, use, and protect your information, please review our Privacy Policy at:

https://insurekauai.com/privacy

Contact

Garden Island Insurance Agency

Lihue, Hawaii

Phone: (808) 635-0219

Email: [email protected]