Legal & Regulatory Disclaimer

Independent Insurance Agency Status

Mally Financial Services is a licensed independent insurance agency and brokerage operating in the State of New York. Mally Financial Services is an authorized insurance intermediary and is not an insurance carrier, underwriter, risk-bearing entity, or health plan administrator.

We assist consumers, self-employed individuals, and corporate groups in comparing and applying for third-party insurance products issued by licensed underwriting carriers.

Government Non-Affiliation Notice

Mally Financial Services is a private, independent commercial agency and is not affiliated with, endorsed by, operated by, or connected to:

• The United States Federal Government.
• The U.S. Department of Health and Human Services (HHS).
• The Centers for Medicare & Medicaid Services (CMS).
• HealthCare.gov or the Federal Health Insurance Marketplace.
• The NY State of Health Exchange (Official Health Plan Marketplace).
• Any federal, state, county, or municipal governmental entity.

Quotes and Non-Binding Rates

All insurance quotes, premium estimates, cost illustrations, and plan comparisons displayed on this Website or provided via advisory consultations are for informational purposes only and are subject to change without notice.

A quote or estimate does not constitute a formal offer of insurance, a price lock, or a guarantee of coverage. Final policy premiums, deductible levels, copayments, out-of-pocket maximums, and coverage availability are determined solely by the underwriting insurance carrier based on verified applicant information, geographic location, age, tobacco usage, and formal underwriting selection.

No Guarantee of Coverage or Network Status

Submitting an inquiry, contact request, quote request, or application through this Website does not guarantee insurance coverage, eligibility, enrollment, or approval.

Actual coverage is governed strictly by the official master policy documents, certificates of coverage, and Summary of Benefits and Coverage (SBC) issued by the applicable insurance carrier. Mally Financial Services does not guarantee that any specific physician, hospital, clinic, or healthcare provider will remain within a carrier’s participating network.

Verification of Information

While we make reasonable efforts to maintain current and accurate information, health insurance regulations, carrier offerings, pricing, and plan terms change frequently. In the event of any conflict between information on this Website and the official terms of an insurance policy document, the official carrier policy documents will control.