Last Updated: September 1, 2026
Welcome to jayacohen.com, the website of Jay A. Cohen, The Ocala Insurance Guy.
By accessing or using this website, you agree to these Terms of Service. If you do not agree with these terms, please do not use the website.
General Information
The information provided on this website is intended for general informational and educational purposes regarding insurance, financial protection, and related topics.
Information presented on this website should not be considered a guarantee of coverage, benefits, premiums, eligibility, underwriting approval, investment performance, or availability of any particular insurance product.
Insurance Products and Services
Insurance products and their availability vary by insurance carrier, state, applicant eligibility, underwriting requirements, and other factors.
Any examples, illustrations, premiums, benefits, policy values, or descriptions presented on this website are for informational purposes unless specifically identified as an official carrier illustration or quote.
Actual policy terms, benefits, exclusions, limitations, premiums, and other provisions are determined by the insurance carrier and the applicable insurance contract.
In the event of a difference between information on this website and an insurance policy or official carrier documentation, the terms of the insurance policy and carrier documentation will control.
No Guarantee of Coverage
Submitting a contact form, requesting a quote, scheduling an appointment, communicating by email, or otherwise contacting Jay A. Cohen does not create insurance coverage or guarantee that coverage will be issued.
Insurance coverage becomes effective only in accordance with the requirements and approval of the applicable insurance carrier and policy.
Do not cancel, replace, or modify existing insurance coverage based solely on information presented on this website.
Insurance and Financial Information
Information provided on this website is intended to help consumers better understand insurance products and financial protection strategies.
Unless specifically stated otherwise, information on this website should not be interpreted as individualized legal, tax, accounting, or investment advice.
You should consult an appropriate qualified professional when legal, tax, accounting, or investment advice is required.
Quotes and Illustrations
Insurance quotes and illustrations are estimates based on information available at the time they are prepared.
Final premiums, policy classifications, benefits, coverage amounts, and eligibility may change as a result of underwriting, medical information, prescription history, consumer reports, carrier requirements, or other factors.
An insurance illustration is not a contract and should be reviewed together with the applicable carrier documentation.
Accuracy of Information
Reasonable efforts are made to provide useful and accurate information. However, insurance regulations, carrier products, underwriting requirements, premiums, benefits, and other information may change.
No guarantee is made that every piece of information on this website will always be complete, current, or applicable to every individual’s circumstances.
Third-Party Websites and Insurance Carriers
This website may contain links to insurance carriers, government agencies, enrollment systems, scheduling services, educational resources, or other third-party websites.
These websites are operated independently.
Jay A. Cohen is not responsible for the availability, security, accuracy, privacy practices, terms, or content of third-party websites.
Use of third-party websites is subject to the terms and policies established by those organizations.
Website Communications
You may use this website to request information or initiate communication.
Please do not transmit Social Security numbers, financial account information, detailed medical records, Medicare numbers, insurance identification numbers, or other highly sensitive information through ordinary website forms or standard email unless specifically instructed to use an appropriate secure method.
Submitting an inquiry does not obligate you to purchase an insurance product.
Intellectual Property
Unless otherwise indicated, original content created for this website—including text, graphics, branding, and educational materials—is protected by applicable intellectual property laws.
Content may be viewed and used for personal, noncommercial informational purposes. It may not be reproduced, republished, distributed, or commercially exploited without appropriate permission.
Third-party trademarks, carrier names, logos, and other intellectual property remain the property of their respective owners.
Website Availability
We may modify, update, suspend, or discontinue portions of this website at any time.
While reasonable efforts are made to maintain website availability and security, uninterrupted or error-free operation cannot be guaranteed.
Limitation of Liability
To the extent permitted by applicable law, Jay A. Cohen shall not be liable for losses or damages resulting solely from reliance on general information presented on this website or from the use or inability to use the website.
Nothing in these Terms is intended to limit rights or obligations that cannot legally be limited under applicable law.
Privacy
Use of this website is also subject to our Privacy Policy, which describes how information provided through the website may be collected and used.
Changes to These Terms
These Terms of Service may be updated periodically to reflect changes in the website, services, business practices, technology, or applicable requirements.
The Last Updated date at the top of this page indicates the most recent revision.
Governing Law
These Terms of Service are governed by applicable federal law and the laws of the State of Florida, without regard to conflict-of-law principles.
Contact
Questions regarding these Terms of Service may be directed to:
Jay A. Cohen
The Ocala Insurance Guy
Email: info@jayacohen.com
Website: jayacohen.com