Terms of Use

1. Insurance Solicitation & Agency Status

AetnaPlan.com is a solicitation for insurance. A licensed insurance producer, broker, or agent representing HealthLink Insurance Agency LLC may contact you regarding your quote request or inquiry.

HealthLink Insurance Agency LLC is an independent, state-licensed insurance brokerage agency. HealthLink is not an insurance carrier, underwriter, or health maintenance organization. Policies marketed on this site are underwritten solely by Continental Life Insurance Company of Brentwood, Tennessee, an Aetna Company (“Aetna”).

HealthLink Insurance Agency LLC and AetnaPlan.com are not connected with, endorsed by, or affiliated with the federal government, the U.S. Department of Health and Human Services (HHS), the Centers for Medicare & Medicaid Services (CMS), or any state or federal health insurance exchange.

2. Official Policy Documents Govern

The plan descriptions, rate estimates, benefit percentages, and coverage summaries presented on AetnaPlan.com are provided solely for informational and comparison purposes. They do not constitute an insurance contract, binder, or guarantee of coverage.

In all cases, the specific terms, conditions, definitions, limitations, waiting periods (if applicable), and exclusions of your coverage are governed exclusively by the official policy contract (Policy form series CLIDF08409, CLI-DVH, and respective state revisions), outline of coverage, and certificate issued by Continental Life Insurance Company of Brentwood, Tennessee.

Product features, benefits, rates, and availability may vary by state. Not all plan options or benefit maximums are available in every jurisdiction.

3. Rates & Premium Calculations

Rate estimates generated on this website are based on standard age brackets, coverage tiers, and state filings approved by state departments of insurance. Exact premiums are determined upon final application submission and review of your exact issue age, state of residence, and chosen benefit maximums.

Insurance premiums are strictly regulated by state law. You will never be charged a fee, surcharge, or markup for using HealthLink Insurance Agency LLC. The rates available through our agency are identical to the rates filed directly with the underwriting carrier.

5. No Dental, Medical, or Legal Advice

The content provided on this website is for general educational and insurance solicitation purposes only. It is not intended to serve as dental, medical, clinical, financial, or legal advice. Consult a licensed dentist or healthcare provider regarding oral health diagnosis or treatment plans, and consult an attorney or financial planner for legal or tax matters.

6. Permitted Use & Intellectual Property

You agree to use AetnaPlan.com solely for lawful personal or household purposes to research and obtain insurance quotes. You agree not to submit false, fraudulent, or misleading contact information, or attempt to scrape, copy, reverse engineer, or interfere with the operation of this site.

All website content, layout, graphics, text, and code are owned by HealthLink Insurance Agency LLC and are protected by copyright, trademark, and intellectual property laws. “Aetna” and related logos and marks are trademarks of Aetna Inc. or its affiliates and are used with permission under broker appointment.

7. Disclaimer of Warranties & Limitation of Liability

This website and all information, calculators, and materials are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.

To the fullest extent permitted by applicable law, HealthLink Insurance Agency LLC, its officers, directors, employees, agents, and licensors disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. In no event shall HealthLink Insurance Agency LLC be liable for any indirect, incidental, special, consequential, or punitive damages arising from the use or inability to use this website.

8. Governing Law & Dispute Resolution

These Terms and your use of this website shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or related to this website shall be instituted exclusively in the state or federal courts located in Sangamon County, Illinois.