Terms, Conditions & Compliance

Lyn Ryan Group is an independent insurance agency that markets life, health, Medicare, supplemental, and related insurance products through licensed insurance carriers. Our agents are licensed in the states in which they conduct business and offer products only in those states where the agent and carrier are properly licensed and appointed.

We are not affiliated with, endorsed by, or connected to the U.S. Government, the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), the Health Insurance Marketplace, or any state or federal agency.

Insurance products are offered only by appropriately licensed insurance producers. Product availability, features, rates, underwriting standards, and policy terms vary by state and by carrier and are subject to change without notice. Not all products described on this website are available in all states.

Final eligibility, premium, coverage amount, and policy issuance are determined solely by the issuing insurance carrier based on the carrier's underwriting guidelines and applicable state and federal law.

Information provided on this website and during consultations is for general educational and informational purposes only. It does not constitute legal, tax, accounting, investment, or fiduciary advice. You should consult a licensed attorney, certified public accountant, or qualified financial professional regarding your specific situation. Lyn Ryan Group is happy to provide referrals to qualified professionals upon request.

Quotes generated or discussed through this website are estimates only, are not offers of insurance, and are not guarantees of coverage or premium. All quotes are subject to underwriting review, application, verification of information, and approval by the issuing insurance carrier. The actual premium and coverage may differ from any quoted amount.

Lyn Ryan Group is not the federally-facilitated Health Insurance Marketplace (HealthCare.gov) or any state-based Marketplace. We may assist you with on-Exchange and off-Exchange individual and family health plans where our agents are certified and licensed. You may also enroll in Marketplace coverage at no cost through HealthCare.gov or your state Marketplace.

Eligibility for premium tax credits and cost-sharing reductions is determined exclusively by the Marketplace based on information you provide. Short-term, limited duration insurance and certain supplemental, indemnity, and accident products are not minimum essential coverage under the Affordable Care Act and may not cover pre-existing conditions, essential health benefits, or preventive services.

We do not offer every plan available in your area. Currently we represent multiple organizations which offer many plans in your service area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users 1-877-486-2048), 24 hours a day / 7 days a week, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Enrollment in any Medicare plan depends on contract renewal. Plan availability, benefits, premiums, formularies, pharmacy networks, provider networks, and copayments/coinsurance may change on January 1 of each year. The information provided on this site is not a complete description of benefits.

Life insurance and annuity products are issued by licensed insurance companies. Guarantees are based on the claims-paying ability of the issuing insurer. Policies contain exclusions, limitations, reductions of benefits, surrender charges, and terms for keeping them in force. Withdrawals from annuities may be subject to surrender charges, ordinary income tax, and, if taken prior to age 59½, an additional 10% federal tax penalty. Please review the policy, contract, and product illustrations carefully before purchase.

When you purchase a policy through Lyn Ryan Group, the issuing insurance carrier pays our agency a commission. The commission is paid by the carrier and does not increase the premium you pay. Educational consultations not tied to a policy purchase may carry a separately disclosed fee, which will be communicated and agreed to in writing in advance.

Program description. Lyn Ryan Group sends text messages to individuals who request information or services from us. Messages may include appointment scheduling and reminders, quote and application follow-up, notary and planning service coordination, and replies to questions you send us.

How you opt in. You may opt in to text messages by checking the optional SMS consent box on any form on this website, by texting us first, or by giving us verbal or written permission. Your consent to receive text messages is never required in order to purchase any product or service, and we do not opt anyone in automatically. You must be 18 years of age or older to use Lyn Ryan Group's SMS messaging services.

Message frequency and cost. Message frequency varies based on your activity and requests. Message and data rates may apply. Your mobile carrier is not liable for delayed or undelivered messages.

Opting out and help. Reply STOP to any text message to stop receiving texts from us; you will receive a single confirmation message. Reply HELP for assistance, or contact us at (678) 370-0521 or hello@lynryangroup.com.

No sharing of mobile data. Mobile phone numbers and SMS consent collected on this website are never sold, rented, or shared with third parties or affiliates for their marketing or promotional purposes. Numbers are shared only with the messaging service providers we use to deliver our own messages to you.

Calls and email. By submitting your contact information through any form on this website, requesting a quote, or providing your phone number, you consent to be contacted by Lyn Ryan Group and its licensed agents at the telephone number and email address you provide, including by live calls, prerecorded or artificial voice messages, and email, regarding the products and services you asked about. Consent is not a condition of purchase. You may opt out at any time by asking us to stop calling, by clicking the "unsubscribe" link in any email, or by contacting us directly.

We respect your privacy. Personal information you provide, including any protected health information collected in connection with health, Medicare, or life insurance applications, is used solely to assist you with insurance quoting, enrollment, servicing, and related communications. Information is shared with insurance carriers and authorized service providers as necessary to process your application or service your policy and as otherwise permitted or required by law, including the Health Insurance Portability and Accountability Act (HIPAA) and the Gramm-Leach-Bliley Act (GLBA). We do not sell your personal information.

You have the right to request access to, correction of, or deletion of certain personal information we hold about you, subject to applicable law. Residents of California, Colorado, Virginia, and other states with comprehensive privacy laws may have additional rights, which can be exercised by contacting us using the information below.

Confidentiality & Safeguards. All information you share with Lyn Ryan Group — whether through this website, by phone, by email, or in person — is treated as confidential. We apply administrative, technical, and physical safeguards consistent with the HIPAA Privacy and Security Rules, including encrypted transmission (HTTPS/TLS), access controls that restrict lead and application data to authorized personnel only, and bot-prevention screening on all web forms. Information you submit is used solely for the purpose for which you provided it and is retained only as long as necessary to service your inquiry, application, or policy, or as required by law.

Data Minimization. Please do not submit detailed medical histories, diagnoses, medications, or other sensitive health information through website forms or standard email. Any health information required for underwriting or enrollment will be collected privately by phone or through a carrier's secure application portal.

No Sale of Information. We do not sell, rent, or trade your personal or health information, and we do not share it with third parties for their own marketing purposes. No mobile information, mobile phone number, or SMS consent is shared with third parties or affiliates for marketing or promotional purposes.

Cookies, Tracking Technologies & Analytics. Our website may use cookies and similar technologies to support website functionality, understand how visitors use our website, improve user experience, and measure website performance. We may also use analytics tools that collect information such as browser type, device information, pages visited, referring pages, and general usage activity. These technologies are not used to collect SMS opt-in consent on behalf of third parties, and SMS consent information is not sold, rented, or shared with third parties or affiliates for their marketing or promotional purposes. You may control or disable cookies through your browser settings, although some website features may not function properly as a result.

Lyn Ryan Group complies with all applicable state insurance laws and regulations, including state producer licensing, advertising, replacement, suitability, and best-interest standards (such as the NAIC Suitability in Annuity Transactions Model Regulation as adopted by individual states). Specific disclosures, cancellation rights, free-look periods, and consumer protections vary by state and will be provided with your policy documents.

Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and may subject such person to criminal and civil penalties under applicable state law.

All content on this website, including text, graphics, logos, and images, is the property of Lyn Ryan Group or its licensors and is protected by U.S. and international copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

This website may contain links to third-party websites (including Calendly, insurance carriers, and government resources). We are not responsible for the content, accuracy, or privacy practices of those third parties.

This website and all information are provided "as is" without warranties of any kind, express or implied. To the fullest extent permitted by law, Lyn Ryan Group disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement. In no event shall Lyn Ryan Group, its owners, agents, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services.

We may update these Terms, Conditions & Compliance disclosures from time to time to reflect changes in our services, applicable law, or industry standards. The "Last updated" date at the top of this page indicates when revisions were most recently made. Continued use of this website following any change constitutes acceptance of the revised Terms.

These Terms are governed by the laws of the State of Georgia, without regard to its conflict of laws principles, except where federal insurance or consumer-protection law, or the insurance law of your state of residence, controls.

Questions, requests, or concerns regarding these Terms, our privacy practices, or the handling of your information may be directed to:

Lyn Ryan Group
Email: hello@lynryangroup.com
Phone: (678) 370-0521