LDM Insurance Services

Terms of Use

Last updated: July 13, 2026

LDM Marketing LLC ("we," "us," or "our") owns and operates ldminsuranceservices.com and other sites linking to these Terms of Use (individually, the "Site," and collectively, the "Sites"). Through the Sites, LDM Insurance Services provides information and resources related to insurance and benefits services.

LDM Insurance Services may change, suspend, modify, or discontinue all or any part of the Sites in its sole discretion with or without notice. LDM Insurance Services is not liable if all or any part of a Site is, for any reason, unavailable at any time or for any period. LDM Insurance Services reserves the right to block or deny access to any of the Sites to anyone at any time for any reason.

General Terms

These Terms of Use are an agreement between LDM Insurance Services and the individuals that use the Sites ("users," "you," or "your"). The Terms of Use govern your access to and use of the Sites. By using or accessing the Sites, you represent and warrant that you are of legal age to accept these Terms of Use and form a binding contract with LDM Insurance Services.

PLEASE READ THE TERMS OF USE CAREFULLY. BY ACCESSING ANY PAGES ON THE SITES OR USING ANY SERVICES MADE AVAILABLE THROUGH THE SITES, YOU EXPRESSLY AGREE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO THE TERMS OF USE. DO NOT USE THE SITES IF YOU DO NOT AGREE TO THE TERMS OF USE.

Changes to the Terms of Use

LDM Insurance Services reserves the right to update or modify the Terms of Use at any time, with or without prior notice. Any such changes will become effective upon the earlier of (i) the first time you use the Sites with actual notice of the change(s), or (ii) 30 days after the change(s) are publicly posted on the Sites. We encourage you to review the Terms of Use frequently to stay informed of any changes.

Confidentiality of Information

Any personal information you provide to LDM Insurance Services or any agents representing you is strictly confidential. We do not share your information except as required by the insurance companies with whom we work on your behalf, or as otherwise required by law. Visitors to this website are not permitted to post, submit, or upload content of any kind. Our use any information is governed by our Privacy Policy.

Account Access and Security

You may be required to register and create an account to access some content and functionality on the Sites. You are responsible for maintaining the confidentiality of your account and password. You agree to notify LDM Insurance Services immediately if you become aware of any unauthorized access to or use of your account. Any information you provide to LDM Insurance Services must be correct, current, and complete.

Governing Law and Jurisdiction

You agree that all matters relating to the Sites and these Terms of Use and any dispute or claim arising therefrom or related thereto shall be governed by and construed in accordance with the internal laws of the State of Texas without giving effect to any choice or conflict of law provision or rule.

For questions about these Terms of Use, please contact us at [email protected].

LDM Insurance Services

Your trusted guide through insurance and financial services. We're in your corner — every step of the way.

Our Services

  • Claims Assistance
  • Critical Illness
  • Dental, Vision, Hearing
  • Hospital Indemnity
  • Individual HRA, HSA Plans
  • Life Insurance
  • Long-Term, Short-Term Care
  • Medicare HMO, PPO, PFFS, PDP
  • Medicare Supplement Plans
  • Retirement Benefits
  • Small Business Solutions

Contact Us

Our agents represent Medicare Supplement, Medicare Advantage HMO, PPO, PFFS, and Prescription Drug Plan organizations that have a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment depends on the plan's contract renewal. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply. Every year, Medicare evaluates plans based on a 5-star rating system.

We are not connected with or endorsed by the United States Government or the federal Medicare program.

We do not offer every plan available in your area. Currently we represent 0–15 organizations which offer 0–79 products in your area. The number of plans available in your area may vary depending on the state and geographical location where you live. 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.

The exact carrier and plan counts are determined by your zip code and county.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance. If you are already a member, please contact your health plan to file a complaint.

Final expense life insurance may not cover the entire cost of your funeral and may be used by the designated beneficiary for any purpose rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn't require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. A policy owner does not have the ability to make unlimited payments into the policy. If too much is paid into the policy, it will become a Modified Endowment Contract (MEC) and withdrawals and loans will be taxable. Coverage may not be available in all states and may vary by state. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

An annuity is an insurance contract between an insurance company and a contract owner. An annuity can be used to help save for supplemental income for retirement and/or preserve funds already saved for retirement. Interest and other guarantees in an annuity are subject to the claims-paying ability and financial strength of the insurance company that issues the product. Annuities are long-term vehicles. Many have surrender charges over many years, and withdrawals from an annuity prior to age 59 ½ may be subject to a 10% tax penalty. The growth in an annuity is tax-deferred, but taxes will be owed on withdrawals. Any withdrawal will reduce your annuity insurance contract value. Consult your annuity insurance contract for specific terms and conditions. Insurance agents do not provide, tax, legal or accounting advice.

Multi-year guaranteed annuities (MYGAs) are a type of fixed annuity with a guaranteed interest rate that typically lasts for multiple years. Fixed Indexed Annuities (FIAs) do not involve investments in an index. The index performance used to calculate credited interest typically does not include dividends. Some FIAs involve the use of multiple indexes. Methodologies for crediting interest differ among FIA products (e.g., point to point, high water mark, annual resets, single year, multi-year, etc.). Interest crediting methodologies may include caps, participation rates, spreads, margins, or fees that may change from time to time depending on the product.

Licensed Insurance Agent in AZ, CA, CO, ID, NE, NV, RI, SC, TX, UT, WA. National Producer Number (NPN): 14776111. CA License#: 0G80934.

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