Terms of Service

1. Acceptance of Terms

By accessing or using the Expat Insurance website (expatins.com), operated by Beach Financial Group (CA License #0I56036), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our website.

2. Services Description

Expat Insurance, part of Beach Financial Group, is a licensed insurance brokerage that provides information, quotes, and placement services for international health and travel insurance products. We act as an intermediary between clients and carrier-backed insurance providers. We do not underwrite insurance policies directly.

3. Not Insurance Advice

Information provided on this website is for general informational purposes only and does not constitute insurance, legal, or financial advice. Coverage terms, conditions, exclusions, and premiums vary by carrier and individual circumstances. You should consult with one of our licensed advisors before making any insurance decisions.

4. Accuracy of Information

We strive to keep all information on this website current and accurate. However, we make no representations or warranties about the completeness, accuracy, or reliability of any content. Insurance products, pricing, and availability are subject to change without notice.

5. User Responsibilities

By using this website, you agree to:

• Provide accurate and complete information when requesting quotes or submitting applications
• Use the website only for lawful purposes
• Not attempt to interfere with the website's operation or security
• Not reproduce, distribute, or commercially exploit any website content without prior written consent

6. Intellectual Property

All content on this website — including text, graphics, logos, and design — is the property of Beach Financial Group or its content licensors and is protected by applicable intellectual property laws. Unauthorized use is prohibited.

7. Third-Party Links

This website may contain links to third-party websites. These links are provided for convenience only. Beach Financial Group has no control over, and assumes no responsibility for, the content or practices of any third-party sites.

8. Limitation of Liability

To the fullest extent permitted by law, Beach Financial Group and Expat Insurance shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, this website or our services. Our total liability in any matter arising out of these terms shall not exceed the fees paid to us, if any, in the preceding twelve months.

9. Governing Law

These Terms of Service are governed by the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Los Angeles County, California.

10. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to this page with an updated date. Your continued use of the website after any changes constitutes acceptance of the updated terms.

11. Contact Us

For questions regarding these Terms of Service, please contact: