Welcome to TG Insurance Group
Thank you for visiting our website. These Terms of Use govern access to and use of tginsurancegroup.com, a website operated by Tracey Garnett under the TG Insurance Group name.
By accessing or using this website, you agree to these Terms of Use. If you do not agree, please discontinue use of the website.
Purpose of This Website
TG Insurance Group provides general information and educational resources relating to retirement planning, Medicare coverage options, life insurance, living benefits, supplemental health insurance, and employee group benefits.
The information on this website is intended for general educational and informational purposes only. It should not be considered individualized professional advice.
Business Identity and Services
This website is operated by Tracey Garnett, an independent insurance professional using the TG Insurance Group business name.
TG Insurance Group is not an insurance company or insurance carrier. Insurance products are issued by their respective carriers and are subject to the terms, conditions, and underwriting requirements of those carriers.
Services and products may vary based on licensing, carrier appointments, geographic availability, and individual eligibility.
Educational Information and Professional Advice
Content on this website is not intended to provide individualized legal, tax, investment, medical, or financial advice.
Educational materials and general descriptions of products should not be interpreted as recommendations to purchase, replace, surrender, exchange, or modify an existing insurance policy or retirement arrangement.
Visitors should consult appropriate licensed or qualified professionals regarding their individual circumstances before making important financial, insurance, tax, or healthcare decisions.
Insurance Products and Coverage
Insurance products, benefits, premiums, eligibility requirements, exclusions, and limitations vary by insurance company, policy, and state.
Information provided on this website is not an insurance contract, binder, or guarantee of coverage.
Insurance coverage becomes effective only according to the terms and requirements established by the issuing insurance company.
Submitting an inquiry, requesting a quote, or scheduling a consultation does not guarantee approval of an insurance application or establish coverage.
Retirement Planning and Educational Resources
Information concerning retirement plans, 403(b) plans, 457(b) plans, individual retirement accounts, annuities, and related strategies is provided for educational purposes only.
Plan eligibility, tax treatment, contribution limits, withdrawal restrictions, fees, surrender charges, and distribution requirements may vary.
References to retirement products or strategies do not guarantee future income, financial performance, tax benefits, or specific retirement outcomes.
Medicare Information and Disclaimer
TG Insurance Group is not affiliated with, endorsed by, or operated by the United States government, Medicare, or the Centers for Medicare & Medicaid Services (CMS).
Medicare plan information, including premiums, benefits, provider networks, prescription drug coverage, and availability, may vary by plan, carrier, location, and enrollment period.
Website information does not guarantee eligibility, acceptance, or enrollment in any Medicare-related plan.
For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE.
Accuracy and Updates
We make reasonable efforts to provide accurate and useful information. However, website content may contain errors, omissions, or information that becomes outdated.
We do not guarantee that all website information is complete, current, or appropriate for every visitor.
We reserve the right to update, correct, modify, or remove website information without prior notice.
Acceptable Website Use
Visitors agree to use this website only for lawful purposes and in a manner that does not interfere with the website's security, availability, or operation.
Prohibited activities include:
- Attempting unauthorized access to website systems.
- Introducing viruses, malicious code, or harmful software.
- Submitting fraudulent, misleading, or abusive information.
- Interfering with other visitors' use of the website.
- Using website materials in violation of applicable intellectual property laws.
Intellectual Property
Unless otherwise indicated, original website content, graphics, branding, written materials, and design elements are owned by Tracey Garnett, used under license, or used with permission from their respective owners.
Visitors may view and print website content for lawful, personal, noncommercial use.
Reproduction, redistribution, or commercial use of protected materials without appropriate authorization is prohibited, except as otherwise permitted by law.
Third-Party Websites and Resources
This website may contain links to insurance carriers, government agencies, educational resources, scheduling platforms, and other third-party websites.
Third-party websites are independently operated and may have their own privacy policies and terms of use.
TG Insurance Group does not control or guarantee the accuracy, security, content, or availability of external websites.
Privacy and Personal Information
Information submitted through website forms or communication channels may be used to respond to inquiries, schedule consultations, and provide requested services, consistent with applicable law and our Privacy Policy.
Visitors should avoid submitting Social Security numbers, financial account passwords, detailed medical records, or other highly sensitive personal information through unsecured website forms.
Submitting an inquiry does not automatically authorize unrelated marketing communications or override applicable consent requirements.
No Guarantee of Results
Educational examples, financial illustrations, benefit descriptions, and discussions of potential outcomes are not guarantees of future results.
Actual insurance benefits, retirement outcomes, and financial results depend on individual circumstances, applicable product terms, and other relevant factors.
Website Availability and Limitations of Liability
This website is provided on an "as available" basis. We do not guarantee uninterrupted access, error-free operation, or the absence of technical difficulties.
To the extent permitted by applicable law, Tracey Garnett and TG Insurance Group disclaim liability for losses arising from reliance solely on general website information or temporary interruptions in website availability.
Nothing in these Terms of Use excludes legal rights or responsibilities that cannot lawfully be limited or excluded.
Changes to These Terms
These Terms of Use may be updated periodically to reflect changes in website operations, services, or applicable requirements.
Revised terms will be posted on this page. Continued use of the website after changes are posted constitutes acceptance of the revised terms to the extent permitted by law.
Governing Law
These Terms of Use are governed by applicable laws of the State of Texas and the United States, without limiting mandatory consumer protections provided by applicable law.
Contact Information
If you have questions regarding these Terms of Use, please contact:
Tracey Garnett
TG Insurance Group
Houston, Texas
Phone: 832-888-0596
Website: tginsurancegroup.com
Thank You for Visiting
At TG Insurance Group, we believe protecting your future begins with understanding your options. Education, transparency, and personalized guidance remain at the heart of what we do.
