Terms and Conditions
Effective Date: May 19, 2026
Welcome to Sunshine Life & Health Advisors, LLC dba Madrinas Insurance (“Madrinas Insurance,” “Sunshine,” “Company,” “we,” “our,” or “us”).
These Terms and Conditions (“Terms”) govern your use of our website, landing pages, forms, communications, products, and services.
By accessing our website, submitting your information, requesting a quote, communicating with our team, or using any of our services, you agree to be bound by these Terms.
1. About Our Company
Sunshine Life & Health Advisors, LLC dba Madrinas Insurance is a licensed insurance agency and field marketing organization (“FMO”) that assists consumers and agents with
insurance-related products and services, including but not limited to:
- Individual & family health insurance
- Affordable Care Act (ACA) Marketplace plans
- Medicare plans
- Dental & vision insurance
- Life insurance products
- Supplemental and ancillary coverage
- Private health insurance plans
We work with multiple insurance carriers and may receive compensation when enrollments are completed through our agency.
2. No Guarantee of Coverage or Savings
Submitting your information or speaking with one of our licensed representatives does not guarantee:
- Eligibility for coverage
- Acceptance by an insurance carrier
- Qualification for subsidies or tax credits
- Specific pricing, benefits, or savings
- Approval of any insurance application
All coverage decisions are made solely by the insurance carrier and, when applicable, government agencies.
3. Consent to Contact
By providing your contact information, you expressly consent to receive communications from Sunshine Life & Health Advisors, LLC dba Madrinas Insurance and its representatives, including through:
- Phone calls
- SMS or MMS text messages
- Emails
- Artificial intelligence-assisted communications
- Automated or prerecorded messages
These communications may be sent using automated technology.
Your consent is not required as a condition of purchasing insurance or services. You may opt out at any time by:
- Replying STOP to text messages
- Clicking the unsubscribe link in emails
- Calling us at 305-602-0436
- Emailing us at patricia.b@sunshinelifehealth.com Message and data rates may apply.
4. Electronic Communications
By using our services, you agree that electronic communications satisfy any legal requirement that communications be provided in writing.
Electronic communications may include:
- Emails
- Text messages
- E-signatures
- Website disclosures
- Insurance-related documents
5. Privacy & Information Security
Your use of our services is also subject to our Privacy Policy. We may collect and use personal information to:
- Provide quotes and plan information
- Determine eligibility
- Process enrollments
- Communicate with you
- Improve our services
- Comply with legal and regulatory obligations
We use commercially reasonable safeguards to protect your information; however, no electronic transmission or storage system can be guaranteed completely secure.
6. Health Information & HIPAA
Where applicable, we handle protected health information (“PHI”) in accordance with the Health Insurance Portability and Accountability Act (“HIPAA”) and other applicable privacy laws.
By submitting health-related information, you authorize us and our carrier partners to use such information solely for insurance and related service purposes.
7. Licensed Insurance Services
Insurance products are offered only through properly licensed agents and only in states where those agents are authorized to conduct business.
Availability of products, benefits, and pricing may vary by state, county, carrier, and eligibility requirements.
8. Compensation Disclosure
Sunshine Life & Health Advisors, LLC dba Madrinas Insurance and its agents may receive commissions, bonuses, overrides, or other compensation from insurance carriers and partners.
Compensation arrangements do not increase the cost of your insurance premium unless otherwise disclosed.
9. Third-Party Services
Our website and services may reference or integrate with third-party companies, carriers, platforms, or technology providers.
We are not responsible for:
- Third-party websites or services
- Carrier underwriting decisions
- Product changes made by carriers
- Third-party privacy or security practices
10. Consumer Responsibilities
By using our services, you agree to:
- Provide accurate and complete information
- Notify us of material changes when applicable
- Review applications before submission
- Pay premiums directly to carriers when due
- Maintain copies of your records and communications
Providing false or misleading information may result in denied, rescinded, or terminated coverage.
11. Marketplace & Government Disclaimer
Sunshine Life & Health Advisors, LLC dba Madrinas Insurance is a privately owned insurance agency and is not owned, operated, or endorsed by the U.S. government or the federal Marketplace.
Where applicable, our licensed agents may be registered or certified to assist with Marketplace enrollments.
The official federal Marketplace website is HealthCare.gov.
12. Intellectual Property
All website content, including but not limited to text, graphics, logos, branding, software, videos, and marketing materials, is the property of Sunshine Life & Health Advisors, LLC dba Madrinas Insurance or its licensors and is protected under applicable intellectual property laws.
No content may be copied, reproduced, distributed, or used without prior written permission.
13. Prohibited Use
You agree not to:
- Use our website or services for unlawful purposes
- Attempt unauthorized access to systems or data
- Interfere with website functionality or security
- Submit fraudulent or misleading information
- Upload malicious code or harmful material
14. Disclaimer of Warranties
Our website and services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.
We do not guarantee that:
- The website will always be available or error-free
- Information will always be current or complete
- Any specific insurance outcome will be achieved
15. Limitation of Liability
To the fullest extent permitted by law, Sunshine Life & Health Advisors, LLC dba Madrinas Insurance shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from the use of our website or services.
Our total liability, if any, shall not exceed the amount paid directly by you for services rendered.
16. Indemnification
You agree to indemnify and hold harmless Sunshine Life & Health Advisors, LLC dba Madrinas Insurance, its affiliates, officers, employees, contractors, and agents from any claims, damages, or expenses arising from:
- Your use of our services
- Your violation of these Terms
- Information you provide that is inaccurate or misleading
17. Arbitration Agreement
Any dispute arising from these Terms or our services shall be resolved through binding arbitration in Miami, Florida, in accordance with the rules of the American Arbitration Association.
By agreeing to these Terms, both parties waive the right to a jury trial or participation in class-action lawsuits, except where prohibited by law.
18. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the State of Florida, without regard to conflict of law principles.
19. Updates to These Terms
We reserve the right to update or modify these Terms at any time.
Changes become effective upon posting to our website. Continued use of our services after updates constitutes acceptance of the revised Terms.
20. Suspension or Termination
We reserve the right to suspend, restrict, or terminate access to our services at our discretion, including in cases involving suspected fraud, abuse, misuse, or violations of these Terms.
21. Severability
If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect.
22. Entire Agreement
These Terms, together with our Privacy Policy and any additional disclosures provided by us, constitute the entire agreement between you and Sunshine Life & Health Advisors, LLC dba Madrinas Insurance regarding your use of our services.
23. Contact Information
Sunshine Life & Health Advisors, LLC dba Madrinas Insurance Miami, Florida, USA
Phone: 305-602-0436
Email: patricia.b@sunshinelifehealth.com Website: www.sunshinelifehealth.com
