Legal & Privacy
Insurance & Medicare Disclaimers
Required disclosures about this website and the insurance products described on it.
Draft for review. This page is a template prepared for Schram Insurance Planning and must be reviewed and approved by the agency's attorney or compliance professional before launch.
Last updated: 2026-07-29 · Policy version 1.0
Independent agency
Schram Insurance Planning LLC is an independent insurance agency. We are not an insurance carrier. We do not represent every carrier or every plan available in your area, and other options may be available to you.
Medicare disclaimer
We are not connected with or endorsed by the United States government or the federal Medicare program. For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, seven days a week.
Solicitation
This website is intended as a solicitation for insurance. Contacting us may result in a licensed insurance agent contacting you.
Plan availability
Plan benefits, availability, premiums and provider networks vary by location, eligibility and plan year, and are determined solely by the insurance carriers. Enrollment in a plan depends on contract renewal.
No guarantees
No agent can guarantee eligibility, approval, savings or coverage. Descriptions of coverage on this site are summaries only; the policy documents issued by the carrier control in all cases.
Licensing and service area
[States in which the agency is licensed, and the product lines it is appointed to sell, to be confirmed and listed here before launch.]