(864) 397-8866
Fika Insurance Group

Important Disclaimers

Last updated: August 8, 2026

Fika Insurance Group helps people navigate Medicare, health, and life insurance. Here’s what you should know about our services and this website.

Medicare disclosures

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 (1‑800‑633‑4227), 24 hours a day / 7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

Currently we represent 10 organizations which offer approximately 25 Medicare products in the states we serve: South Carolina, North Carolina, Georgia, Florida, Tennessee, Texas, Colorado, Ohio, Maine, Maryland, Indiana, and Pennsylvania.

We are not affiliated with or endorsed by the U.S. Government or the federal Medicare program. To join a Medicare Advantage plan you must already be enrolled in Medicare Part A and Part B.

The purpose of this website is the solicitation of insurance. By submitting your information you agree that a licensed insurance agent or producer may contact you by phone, email, or text about your options — including at the number you provide, which may be a wireless number. Consent is not a condition of purchase, and you can opt out at any time.

General information

The information on this site is here to help you understand your options. It is not a substitute for advice from a licensed agent about your particular situation, and it isn’t legal, tax, or medical advice.

Descriptions of insurance products on this site do not guarantee coverage. Coverage begins only after an application is completed and approved by the insurance company, subject to the terms of the policy issued. We work to keep this site accurate and current, but plans, prices, and rules change — please confirm details with us or with the carrier before making a decision.

Health insurance

  • Plan availability varies by state, and not every plan is offered everywhere.
  • Coverage for pre-existing conditions depends on the type of plan. ACA-compliant plans cover them; other products may not.
  • This website may not display all data on Qualified Health Plans offered in your state through the Health Insurance Marketplace®. To see all available QHP options, visit HealthCare.gov.
  • Short-term health plans provide temporary coverage, are not ACA-compliant, are medically underwritten, and generally do not cover pre-existing conditions.

Life insurance

  • Coverage is not guaranteed; applications are subject to underwriting and approval.
  • Every policy has its own terms, conditions, exclusions, and limitations — read the policy documents.
  • With variable or universal life products, cash value and death benefit can change; policy loans and partial surrenders reduce cash surrender value and the death benefit, and a policy may lapse if premiums are insufficient.

Licensing and non-discrimination

Fika Insurance Group, LLC is licensed as an insurance agency in the states listed above and complies with applicable federal civil rights laws. We do not discriminate on the basis of race, color, national origin, ancestry, religion, sex, marital status, gender, gender identity, sexual orientation, age, or disability, and we are committed to equal access to our services.

We comply with applicable federal requirements, including 45 CFR 155.220(c) and (d) and 45 CFR 155.260, which protect the privacy and security of personally identifiable information.

Accessibility: we want this site to be usable by everyone. If you encounter a barrier, tell us at info@fikainsurance.com or (864) 397-8866 and we will help you directly and work to fix it.

Third-party content and links

This site includes embedded content from third parties — Google Maps, Microsoft Bookings, and media players — and links to external sites such as carriers and government resources. We don’t control those services and aren’t responsible for their content or practices; their own terms and privacy policies apply.

Limitation of responsibility

Nothing here is legal advice. While we work to provide helpful and accurate information, we are not responsible for losses or damages arising from use of this website or reliance on its content. See our Terms & Conditions for the full terms that govern your use of this site.

Updates

We may update these disclaimers from time to time. The “last updated” date above reflects the most recent change.

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