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Search icon representing our expert guidance process for Medicare plans in VA and WV.

Terms of Service

1. Agency Identity & Professional Status

VIP Insurance Group is a licensed insurance agency. Resident Office: Bluefield, VA. Agency License: US127889149. We are not an insurance carrier. Our agents are licensed insurance professionals; we do not provide legal, tax, or investment advice. Any insurance policy premiums or coverage amounts discussed are determined solely by the underwriting carrier.

2. One-to-One Consent & AI Interaction (FCC 23-107)

In compliance with the 2026 FCC "One-to-One" Rule, by submitting a form, you authorize strictly one identified seller—Virginia Insurance Partners DBA VIP Insurance Group—to contact you. You explicitly consent to interact with our AI assistant (Ronny) for the purpose of gathering information to provide an accurate insurance quote.

3. Product-Specific Safe Harbour Dislcosures

  • Life Insurance: Quotes are solicitations, not offers of coverage. All policies are subject to underwriting. These are not "investment plans" and are strictly for death benefit protection.

  • Final Expense (Whole Life): These policies are designed for end-of-life costs. They are NOT pre-need funeral contracts and do not guarantee the future cost of funeral goods or services.

  • Accident & Critical Illness: These are LIMITED BENEFIT POLICIES and are not ACA-compliant health insurance.

  • Annuities: Annuities are long-term insurance contracts. They are not bank deposits and are not FDIC insured. Withdrawals may be subject to surrender charges and tax penalties.o respond to inquiries or requests you submit

  • P&C (Auto/Home): Quotes are estimates subject to verification of claims history (e.g., CLUE/MVR reports) and final underwriting approval.enhance security and prevent fraudulent activity

  • Medicare: "We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."

4. Data Retention & 10-Day Revocation Rule

To comply with federal CMS guidelines (42 CFR 422.504) and the TCPA, we maintain secure records of consent, call recordings, and SMS logs for ten (10) years.
 

  • Opt-Out: Any request to stop communications (e.g., replying "STOP") will be processed within ten (10) business days. Your information will be moved to our permanent internal "Do Not Call" suppression list and archived for 10 years to ensure compliance.

Terms of Service Effective Date: March 12, 2026

Official brand mark for VIP Insurance Group (Virginia Insurance Partners LLC) 2026 insurance campaigns.

Regulatory & Disclaimers

Medicare Disclosure: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Identity Disclosure: Virginia Insurance Partners is DBA VIP Insurance Group is a private licensed insurance agency and is not affiliated with, nor endorsed by, Medicare or any other government agency.

Licensing: VA License: US127889149. Licensed in VA, TX, CA, WV, CT, and NJ.

B2B & Communications

Employer Group Benefits: In accordance with ERISA Section 408(b)(2) and the CAA 2026, Virginia Insurance Partners DBA VIP Insurance Group serves as a covered service provider and provides a full disclosure of direct and indirect compensation received for services provided to employer-sponsored health plans. Specific compensation schedules are available to plan fiduciaries upon request.

Mobile Messaging (A2P 10DLC): By providing your phone number, you agree to receive text messages from Virginia Insurance Partners LLC DBA VIP Insurance Group. Consent is not a condition of purchase. Message and data rates may apply. Message frequency varies. Text HELP for help or STOP to cancel. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Protection & Suitability

AI & Recording Notice: Interactions on this site may be handled by an AI assistant (Ronny). For quality assurance and regulatory compliance with CMS 42 CFR 422.504, all virtual interactions and phone calls are recorded and retained for a period of 10 years.

Licensing & Fraud Warning: VA License: US127889149. Licensed in VA, TX, CA, WV, CT, and NJ. Any person who knowingly and with intent to defraud any insurance company files an application containing false information is subject to criminal and civil penalties. (Rhode Island Residents: We honor all data deletion and revocation requests within 15 days in accordance with the RIDTPPA.)

Coverage Limitations: Standard P&C policies DO NOT cover flood damage. Life and Annuity products are solicitations for insurance and are not bank deposits or government-guaranteed.

[Privacy Policy (Updated Mar 2026)] | [Terms of Service] | [Licensed Partners]  | @ 2026 Virginia Insurance Partners LLC DBA VIP Insurance Group 

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