Rewards Program

1. Eligibility

The Program is open to legal residents of the United States who are 18 years of age or older at the time of entry. Employees, officers, and directors of FLC Insurance Services Inc., its affiliates, subsidiaries, advertising and promotion agencies, and their immediate family members and/or those living in the same household are not eligible to participate.

Reward eligibility is contingent upon the purchase and enrollment of a new qualifying insurance policy during the promotional period. The type of insurance coverage required for eligibility will be specified in the associated email campaign or online/social media promotion (for example, if a promotion offers a $400 prepaid Visa card for dental and vision insurance, only customers who enroll in a new dental and/or vision plan during the promotional period are eligible). Existing policyholders who do not purchase a new qualifying policy during the promotional period are not eligible.

2. How to Qualify

To qualify for a reward, a customer must purchase and enroll in a new qualifying insurance policy of the type specified in the promotional email campaign or online/social media promotion during the promotional period. The specific coverage type required, promotional dates, and reward details will be clearly stated in each promotion. Only new policy enrollments completed during the promotional period qualify; policy modifications, renewals, or reinstatements of existing policies do not qualify.

3. Winner Selection & Notification

Winners will be selected by random drawing from among all eligible entries received during the promotional period. The drawing will be conducted by FLC Insurance Services Inc., whose decisions are final and binding in all respects. Winners will be notified via email or phone within seven (7) business days of the drawing using the contact information provided at the time of entry.

If a winner cannot be contacted, fails to claim the reward within fourteen (14) days of notification, or is found to be ineligible, an alternate winner may be selected from remaining eligible entries.

4. Reward Claiming & Delivery

Winners must claim their reward within fourteen (14) days of notification. Rewards will be delivered within four to six (4-6) weeks of claim verification, unless otherwise stated. For appliance rewards, shipping fees must be paid by the winner prior to shipment. FLC is not responsible for lost, stolen, or damaged rewards after delivery.

5. Tax Liability

Winners are solely responsible for any and all taxes, including federal, state, and local income taxes, that may arise from the receipt of a reward. Rewards valued at $600 or more may be reported to the IRS, and FLC may issue a Form 1099-MISC to the winner. By accepting a reward, the winner agrees to provide any tax identification information requested by FLC.

6. General Conditions

Rewards are non-transferable, non-assignable, and cannot be exchanged for cash or other substitutes, except at the sole discretion of FLC Insurance Services Inc. or where required by law. FLC reserves the right to cancel, suspend, or modify the Program at any time without notice. By participating, entrants agree to release and hold harmless FLC Insurance Services Inc., its officers, directors, employees, and agents from any and all liability, illness, injury, death, loss, litigation, or damage that may occur, directly or indirectly, whether caused by negligence or otherwise, from participation in the Program or acceptance, possession, use, or misuse of any reward.

7. Privacy

Information submitted in connection with the Program will be used in accordance with the FLC Insurance Services Inc. Privacy Policy, available at flcins.com/PrivacyPolicy.

8. Disputes & Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any dispute arising out of or relating to the Program shall be resolved exclusively in the state or federal courts located in Orange County, Florida.

9. Sponsor

The Program is sponsored by FLC Insurance Services Inc., located at 9300 Conroy Windermere Road, #523, Windermere, FL 34786.