Terms of Service
Terms of Service
Effective Date: October 5, 2026
By accessing or using this website, you agree to the following Terms of Service.
Services
Lofer Group LLC provides assistance with insurance products and services including:
- ACA (Affordable Care Act/Obamacare) health insurance plans
- Medicare plans
- Prescription drug plans, including Medicare Part D
- Health insurance plan comparisons and enrollment assistance
- Auto insurance
- Homeowners insurance
- Other related insurance products and services
Availability, eligibility, coverage, premiums, and plan options may vary based on the individual, location, insurance carrier, and applicable eligibility or underwriting requirements.
Lofer Group LLC does not guarantee eligibility, approval, coverage, enrollment, pricing, or acceptance into any specific insurance plan or policy.
No Obligation
Submitting your information does not obligate you to purchase, enroll in, or apply for any insurance product or service.
Our services are provided to help you understand your insurance options and make informed decisions.
SMS Program & Messaging
Lofer Group LLC uses SMS messaging to communicate with users who initiate contact or request information through our website at:
Users provide consent to receive SMS messages by entering their phone number into a website form, chat widget, appointment form, quote request form, or other contact form and submitting their request.
Messages may include:
- Responses to inquiries
- Quote or coverage follow-ups
- Appointment scheduling and reminders
- Follow-ups regarding insurance options
- Application or enrollment-related communications
- Policy or service-related updates
- Customer service communications
Message frequency may vary. Message and data rates may apply.
Reply STOP at any time to opt out of SMS messages. Reply HELP for assistance.
Consent to receive SMS messages is not a condition of purchasing any goods or services.
Communication Consent
By entering your contact information and submitting a request through https://lofergroup.com, you agree to receive communications from Lofer Group LLC regarding your inquiry through:
- Phone
- SMS/text message
Message frequency may vary. Message and data rates may apply.
Reply STOP to opt out of SMS communications at any time or HELP for assistance.
Carrier Disclaimer
Wireless carriers are not liable for delayed or undelivered messages.
Age Requirement
You must be at least 18 years old to use this website and its services.
Insurance Disclaimer
Lofer Group LLC is an independent insurance agency.
Insurance products, coverage, availability, premiums, and eligibility vary by carrier and individual circumstances. Information provided through this website is for general informational purposes and does not guarantee eligibility, coverage, benefits, pricing, or policy issuance.
For Medicare-related services, Lofer Group LLC is not affiliated with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every Medicare plan available in your area. Please visit https://www.medicare.gov or call 1-800-MEDICARE (1-800-633-4227) to obtain information about all available Medicare options.
Limitation of Liability
Lofer Group LLC is not liable for decisions made solely based on general information provided through our website, SMS communications, email communications, or other informational materials.
Insurance coverage is subject to the terms, conditions, exclusions, limitations, eligibility requirements, and underwriting requirements of the applicable insurance carrier.
Users are encouraged to carefully review all insurance plan and policy documents before purchasing or enrolling in coverage.
Privacy Policy
Your use of this website is also governed by the Lofer Group LLC Privacy Policy:
https://lofergroup.com/privacy-policy
Changes to Terms
Lofer Group LLC reserves the right to update these Terms of Service at any time.
Changes become effective when posted on our website. Continued use of https://lofergroup.com after changes are posted constitutes acceptance of the updated Terms.
Contact Information
Lofer Group LLC
10300 North Loop B1
El Paso, TX 79927
Phone: (915) 244-0172
Website: https://lofergroup.com
Privacy Policy: https://lofergroup.com/privacy-policy