Legal

Terms

Use of this website and participation in Closr™ are subject to applicable program terms, approvals, carrier requirements, licensing rules, and written agreements.

Program information

Website information is general and may change. Market availability, products, fees, timelines, compensation, and requirements may vary. Opportunities, sales, enrollments, commissions, renewals, income, ownership, and other results are not guaranteed.

Participation and responsibilities

Participation is subject to approval and ongoing eligibility. Agents must maintain the appropriate licenses, certifications, carrier appointments, and compliance standards for the products and markets they serve. Agents are responsible for compliant consumer contact, required disclosures and permissions, accurate documentation, recordkeeping, client service, and applicable payments.

Fees and carrier compensation

Applicable Closr™ fees are agent fees assessed per qualifying Book Add for the applicable completed cohort and billed on a simple quarterly statement after the minimum 90-day effective-date stabilization rule, subject to the current Agreement and fee schedule. They are not consumer costs or upfront lead fees. Future fee changes require notice under Section 23. Carrier compensation is separate from the Closr™ fee. Carrier compensation changes by year, state, carrier, plan, enrollment type, and regulatory guidance and is never guaranteed by Closr™.

Controlling documents

The applicable executed Agent Agreement / Disclosures, fee schedule, carrier materials, and applicable law control over this website if there is any difference. Participation or eligibility may end as described in those materials, and ending participation does not automatically erase obligations already due.