Last Updated: June 10, 2026

Patriots Insurance, www.patriotsins.com, is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of this website, www.patriotsins.com, constitutes your agreement to all such terms, conditions, and notices.

INTRODUCTION

Welcome to Patriots Insurance. These Terms of Service govern your access to and use of our services, including insurance consultations, policy placement, and any related communications. By using our services, you agree to comply with these Terms and all applicable federal and state laws. Patriots Insurance is an independent insurance agency licensed in North Carolina and multiple additional states.

ABOUT PATRIOTS INSURANCE

Patriots Insurance is an independent, multi-line insurance agency located at 100 Broad St, Oxford, NC 27565. We are a Christian, conservative business proudly serving local families in Granville County and federal employees throughout North Carolina and our licensed states. Our tagline is "Patriots Protecting Patriots." We are currently licensed in: NC, SC, TX, CO, MI, GA, OH, RI, PA, WA, KS, TN, FL, IN, and MD. Licensure is subject to change.

SERVICES OFFERED

Patriots Insurance offers consultation, placement, and service support for the following lines of insurance and financial products, where permitted by law: Life Insurance (Term, Whole Life, Indexed Universal Life); Health Insurance (Individual, Family, ACA Marketplace Plans); Medicare Supplements, Medicare Advantage, and Part D Plans; Annuities (Fixed, Fixed Indexed); Property & Casualty Insurance (Auto, Home, Commercial); Federal Employee Benefits Consulting (FEGLI, FEHB, TSP Rollovers); and Group Benefits. We act as an independent agent and may represent multiple carriers. All coverage is subject to carrier underwriting approval.

MODIFICATION OF THESE TERMS OF USE

Patriots Insurance reserves the right to change the terms, conditions, and notices under which Patriots Insurance's website is offered, including but not limited to the charges associated with the use of Patriots Insurance's website. The most current version will always be published at www.patriotsins.com/patriotic-terms-conditions. Your continued use of our services following any posted changes constitutes acceptance of the updated Terms.

USER RESPONSIBILITIES

You are responsible for providing complete, truthful, and accurate information on all applications and forms. You agree to notify us promptly of any changes in your personal information, coverage needs, or life circumstances that may affect your insurance. You agree to review all policy documents upon receipt and notify us of any discrepancies. Misrepresentation on an insurance application may result in denial of a claim or policy rescission by the carrier.

AGENCY-BILLED PREMIUMS & PAYMENTS

In certain limited circumstances, an insurance carrier may require that premiums be collected by the agency and remitted to the carrier on the insured's behalf ("agency-billed" policies). When this occurs, Patriots Insurance will collect the required premium and transmit it to the carrier. Patriots Insurance does not retain these funds as income and does not mark up premium amounts. All agency-billed transactions are governed by our Refund Policy, available at www.patriotsins.com/patriotic-refund. Agency billing is infrequent and will always be disclosed to the client at the time of application.

NO LEGAL OR FINANCIAL ADVICE

The information and consultations provided by Patriots Insurance are for general educational and informational purposes only. Nothing in our communications, website, or consultations constitutes legal, tax, or financial advice. Advice received via this website should not be relied upon for personal, medical, legal, or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.

APPOINTMENTS & CONSULTATIONS

All consultations and appointments are scheduled exclusively through our booking system at www.patriotsins.com. Appointments are subject to availability. We reserve the right to reschedule or cancel appointments with reasonable notice. Consultations are provided free of charge. We are compensated by insurance carriers through commissions when a policy is placed. This compensation does not affect the objectivity of our recommendations.

MEDICARE MARKETING COMPLIANCE

Patriots Insurance follows all CMS (Centers for Medicare & Medicaid Services) marketing guidelines for Medicare-related products. A Scope of Appointment (SOA) form is required prior to discussing Medicare Advantage and/or Medicare Prescription Drug Plans, except as otherwise permitted under applicable CMS rules. The CMS 48-hour SOA requirement is scheduled to be eliminated effective October 1, 2026 under the CY2027 Final Rule.

ANNUITIES & LIFETIME INCOME

Guaranteed lifetime income from annuity products may vary by contract, carrier, premium amount, and applicable state law. Annuity products are not FDIC-insured, are not bank deposits, and are not guaranteed by any federal government agency. All annuity illustrations are hypothetical and not a guarantee of future performance. Surrender charges and other restrictions may apply. Please review your contract carefully.

LINKS TO THIRD PARTY SITES

Patriots Insurance's website may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of Patriots Insurance and Patriots Insurance is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Patriots Insurance is not responsible for webcasting or any other form of transmission received from any Linked Site. Patriots Insurance is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Patriots Insurance of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of Patriots Insurance's website, you warrant to Patriots Insurance that you will not use Patriots Insurance's website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use Patriots Insurance's website in any manner which could damage, disable, overburden, or impair Patriots Insurance's website or interfere with any other party's use and enjoyment of Patriots Insurance's website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through Patriots Insurance's website.

PRIVACY & DATA

Patriots Insurance collects personal information necessary to provide insurance services, including name, address, date of birth, Social Security number, health information, and financial data where required. We treat all client information with strict confidentiality and do not sell or share your personal information except as required to place and service your coverage, comply with applicable law, or with your explicit consent. Our full Privacy Policy is available at www.patriotsins.com/patriotic-privacy-policy.

COMMUNICATIONS

By engaging with Patriots Insurance, you consent to receive communications regarding your insurance coverage and related matters via email, text, and phone, including automated communications where permitted. Standard messaging and data rates may apply. You may opt out of marketing communications at any time by contacting us at [email protected].

LIABILITY DISCLAIMER

The information, software, products, and services included in or available through Patriots Insurance's website may include inaccuracies or typographical errors. Changes are periodically added to the information herein. Patriots Insurance and/or its suppliers may make improvements and/or changes to Patriots Insurance's website at any time.

Patriots Insurance and/or its suppliers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services, and related graphics contained on Patriots Insurance's website for any purpose. To the maximum extent permitted by applicable law, all such information, software, products, services, and related graphics are provided "as is" without warranty or condition of any kind. Patriots Insurance and/or its suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services, and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title, and non-infringement.

To the maximum extent permitted by applicable law, in no event shall Patriots Insurance and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of Patriots Insurance's website, with the delay or inability to use Patriots Insurance's website or related services, the provision of or failure to provide services, or for any information, software, products, services, and related graphics obtained through Patriots Insurance's website, or otherwise arising out of the use of Patriots Insurance's website, whether based on contract, tort, negligence, strict liability or otherwise, even if Patriots Insurance or any of its suppliers has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. If you are dissatisfied with any portion of Patriots Insurance's website, or with any of these terms of use, your sole and exclusive remedy is to discontinue using Patriots Insurance's website.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Patriots Insurance and its agents, officers, and employees from any claims, damages, or legal fees arising from your use of our services, your violation of these Terms, or your provision of inaccurate information in connection with an insurance application.

TERMINATION

Patriots Insurance may suspend or terminate your access to our services at any time without notice for violations of these Terms or to protect the integrity of our services and our clients.

GOVERNING LAW & DISPUTE RESOLUTION

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict of law provisions. Any dispute arising from or related to these Terms or our services shall first be submitted to good-faith mediation in Granville County, North Carolina. If mediation is unsuccessful, disputes shall be resolved through binding arbitration under the American Arbitration Association rules.

COPYRIGHT AND TRADEMARK NOTICES

All contents of this website are Copyright © 2026 Patriots Insurance. All Rights Reserved. All logos are trademarks and service marks of Patriots Insurance. All other trademarks, service marks and logos used in this website are the property of their respective owners. The names of actual companies and products mentioned herein may be the trademarks of their respective owners. Any rights not expressly granted herein are reserved.

LONG-TERM CARE, LIFE INSURANCE & HEALTH INSURANCE

We support clients in understanding long-term care options, applicable policy riders, and death benefit provisions available through the products we offer. We ensure transparency regarding life insurance options, coverage amounts, and death benefits. Life insurance product availability and underwriting approval are determined by the carrier and are subject to the applicant's health and other underwriting criteria. We assist clients in understanding health insurance options, plan benefits, network considerations, and related costs. Health plan options may vary based on your location, age, household size, and income. All benefit details are governed by the applicable carrier policy contract.

ELECTRONIC DOCUMENTS

Additional information and electronic document delivery are available upon request. Clients may request paper copies of any document at any time by contacting our office.

NOTICES

Please contact us by mail at 100 Broad Street or by email at [email protected].