Terms and Conditions

CHL Insurance Solutions, LLC

Effective Date: April 30, 2026

1. Acceptance of Terms


By accessing or using the website located at https://www.chlinsurancesolutions.com (“Website”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please do not use this Website. These Terms apply to all visitors, users, and others who access or use the Website.

2. About CHL Insurance Solutions, LLC

CHL Insurance Solutions, LLC (“Company,” “we,” or “us”) is a non-governmental, independently operated licensed insurance agency located at 5950 NW 1st Pl, Ste 110, Gainesville, FL 32607. The Company is solely operated by Justin Tomlin, an Independent Licensed Insurance Sales Representative (FL Producer: W960118; GA Producer: 3760385).

The agency holds the following licenses:

  • Florida Agency License: L131407
  • Georgia Agency License: 241106

We are not affiliated with or endorsed by the United States government or the federal Medicare program.

3. Use of This Website

3.1. Permitted Use

You may use this Website for lawful purposes only. You agree not to use the Website in any way that violates applicable local, state, national, or international laws or regulations.

3.2. Prohibited Use

You agree not to:

  • Use the Website to transmit any unsolicited or unauthorized advertising or promotional material
  • Attempt to gain unauthorized access to any portion of the Website or its related systems
  • Interfere with or disrupt the integrity or performance of the Website
  • Use automated tools, scrapers, or bots to collect data from the Website without prior written consent
  • Misrepresent your identity or affiliation in connection with use of the Website

3.3. Account and Form Submission

When you submit a contact form, appointment request, or any other inquiry through this Website, you represent that the information you provide is accurate and complete. You are responsible for maintaining the confidentiality of any information you submit.

4. Educational Content — Not Insurance Advice

4.1. Informational Purpose Only

The content published on this Website, including articles, guides, and general information about Medicare, ACA Marketplace, life insurance, supplemental insurance, and temporary coverage, is provided for educational and informational purposes only. It does not constitute:

  • Insurance advice
  • A solicitation for a specific insurance product or plan
  • A recommendation to purchase or enroll in any plan
  • A guarantee of coverage, eligibility, or pricing

4.2. No Agent-Client Relationship

Accessing or reading content on this Website does not establish an agent-client relationship between you and CHL Insurance Solutions, LLC or Justin Tomlin. An agent-client relationship is only established through a separate, explicit agreement.

4.3. No Guarantee of Accuracy or Completeness

While we make reasonable efforts to keep content current and accurate, insurance laws, Medicare regulations, ACA Marketplace rules, and product availability are subject to change. We make no warranty, express or implied, regarding the accuracy, completeness, or timeliness of any content on this Website.

Always verify coverage details, eligibility, and enrollment information directly with the relevant insurance carrier, federal or state regulatory bodies, or a licensed insurance professional.

4.4. Medicare Content

Medicare-related educational content on this Website is provided in accordance with applicable CMS Medicare Communications and Marketing Guidelines (MCMG). Content is carrier-neutral and does not constitute marketing material as defined under 42 CFR §§ 422 and 423.

The following disclosure applies to all Medicare content:

We do not offer every plan available in your area. Currently we represent 5 organizations which offer 55 products in the Gainesville FL area. Please contact Medicare.gov , 1-800-MEDICARE, or your local State Health Insurance Program (SHIP ) to get information on all of your options. Actual plans available may vary based on your ZIP code.

5. Intellectual Property

5.1. Ownership

All content on this Website, including but not limited to text, graphics, logos, photographs, and educational articles, is the property of CHL Insurance Solutions, LLC or its content suppliers and is protected by applicable intellectual property laws.

5.2. Limited License

You are granted a limited, non-exclusive, non-transferable license to access and view the content on this Website for personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from this Website without prior written permission from CHL Insurance Solutions, LLC.

5.3. Feedback

Any feedback, suggestions, or ideas you provide regarding this Website may be used by CHL Insurance Solutions, LLC without restriction or compensation to you.

6. Third-party Links

This Website may contain links to third-party websites, including but not limited to Medicare.gov, Healthcare.gov, SSA.gov, ShipHelp.org, NAIC.org, MyFloridaCFO.com, OCI.GA.Gov, and our social media profiles. These links are provided for informational convenience only.

CHL Insurance Solutions, LLC does not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party website. We encourage you to review the terms and privacy policies of any third-party site you visit.

7. Limitation of Liability

To the fullest extent permitted by applicable law, CHL Insurance Solutions, LLC, its owner, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this Website or its content. This includes, without limitation, damages for loss of profits, data, goodwill, or other intangible losses, even if we have been advised of the possibility of such damages.

Your use of this Website is at your sole risk. The Website and its content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.

8. Indemnification

You agree to indemnify, defend, and hold harmless CHL Insurance Solutions, LLC and its owner, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with:

  • Your access to or use of the Website
  • Your violation of these Terms and Conditions
  • Your violation of any rights of another party

9. Privacy

Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at https://www.chlinsurancesolutions.com/privacy-policy/ to understand our practices regarding the collection and use of your personal information.

10. Solicitation Disclosure

This website serves as a solicitation for insurance. CHL Insurance Solutions, LLC is a licensed insurance agency authorized to solicit, negotiate, and sell insurance products in Florida and Georgia. Nothing on this Website constitutes a binding offer or guarantee of coverage.

11. No Discrimination

CHL Insurance Solutions, LLC does not discriminate on the basis of race, color, national origin, religious affiliation, political affiliation, gender, age, or disability in the administration of its insurance services or in the content provided on this Website, in accordance with applicable federal and state civil rights laws.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising out of or related to these Terms or your use of this Website shall be resolved exclusively in the state or federal courts located in Alachua County, Florida, and you consent to the personal jurisdiction of such courts.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this Website with an updated Effective Date. Your continued use of the Website following any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable under applicable law, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and CHL Insurance Solutions, LLC regarding your use of this Website and supersede all prior agreements, representations, and understandings.

16. Contact Us

For questions regarding these Terms and Conditions, please contact: