Terms and Conditions

Last Updated: 05/21/2026

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Welcome to the Ray Insurance Group. These Terms and Conditions govern your use of www.rayinsurancegroup.com

By accessing or using this Website, you agree to these Terms.

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1. Website Purpose

This Website provides general information about insurance products and services offered through the Ray Insurance Group.

Information provided on this Website is for informational purposes only and does not constitute insurance advice, legal advice, or a binding offer of coverage.

 

2. Insurance Availability and Licensing

Insurance products and services described on this Website may not be available in all states.

Ray Insurance Group conducts business in accordance with applicable licensing requirements and applicable Indiana and Ohio insurance laws.

Coverage availability, pricing, and eligibility are subject to underwriting approval and carrier guidelines.

 

3. No Coverage Is Bound Through Website Submission

Submitting forms, requesting quotes, emailing our agency, or otherwise communicating through this Website does not bind, alter, or cancel insurance coverage.

Coverage becomes effective only after:

• Confirmation by an authorized representative of the Agency; and

• Acceptance by the applicable insurance carrier where required.

Do not assume coverage exists until you receive written confirmation.

 

4. Quotes and Illustrations

Any insurance quote, estimate, or premium displayed is:

• Preliminary only

• Subject to underwriting review

• Subject to carrier approval

• Subject to change without notice

Final premiums and coverage terms are determined by the issuing insurance carrier.

 

5. Customer Responsibilities

You agree to provide accurate and complete information when requesting insurance products or services.

Failure to provide accurate information may affect eligibility, pricing, or claims.

 

6. Communications and Electronic Consent

By submitting information through this Website, you consent to receive communications from us electronically, including:

• Email

• Phone calls

• Text messages (where consent is provided)

Message and data rates may apply.

You may opt out of marketing communications at any time.

 

7. Third-Party Carriers and Links

Our Website may reference insurance carriers or include links to third-party websites.

We are not responsible for:

• Third-party content

• Carrier underwriting decisions

• Privacy practices of external websites

 

8. Intellectual Property

All content on this Website, including logos, text, graphics, and materials, is owned by or licensed to Ray Insurance Group and may not be copied without written permission.

 

9. Disclaimer of Warranties

This Website is provided “as is” and “as available.”

We do not guarantee:

• Continuous website availability

• Error-free operation

• Accuracy or completeness of all content

 

10. Limitation of Liability

To the fullest extent permitted by Indiana law, Ray Insurance Group shall not be liable for indirect, incidental, consequential, or special damages arising from use of this Website.

 

11. Privacy

Your use of this Website is also governed by our Privacy Policy.

 

12. Governing Law

These Terms shall be governed by the laws of the State of Indiana, without regard to conflict of law principles.

Any disputes shall be resolved in courts located in [County], Indiana.

 

13. Contact Information

Ray Insurance Group

11411 Overlook Drive

Fishers, IN 46037

317-841-9995