Terms of Service

By using this website or contacting Willis Advocacy Group through any channel — including phone, web form, text message, or email — you acknowledge that you have read, understood, and agree to these Terms, including our Privacy Policy, which is incorporated herein by reference.

These Terms apply to all visitors, users, and others who access or use our website or services. Your continued use of our website following the posting of any changes to these Terms constitutes acceptance of those changes.

Willis Advocacy Group is a trade name of UKW Consulting Inc., a Massachusetts corporation. We operate as an independent insurance brokerage. Our principal broker, Uhia Willis, is a licensed independent insurance agent authorized to sell Medicare Advantage, Medicare Supplement, Medicare Part D, and life insurance products in the following states:

• Massachusetts (MA)
• Connecticut (CT)
• New Jersey (NJ)
• New York (NY)
• Florida (FL)
• Texas (TX)
• North Carolina (NC)
• Maine (ME)

Licensing is subject to change. If you are located in a state not listed above, we will inform you and, where possible, refer you to a licensed professional in your state.

Willis Advocacy Group provides independent insurance brokerage services. This means we work with multiple insurance carriers to identify and present insurance plan options that may be suitable for your individual situation. Specifically, we assist with:

• Medicare Advantage (Part C) plan comparisons and enrollment
• Medicare Supplement (Medigap) plan comparisons and enrollment
• Medicare Part D Prescription Drug Plan comparisons and enrollment
• Life insurance (term, whole, final expense, guaranteed issue) placement
• Review of existing coverage and assessment of alternative options

All consultations are free of charge to you. We are compensated by insurance carriers if and when you enroll in a plan through our brokerage. This compensation does not increase your premium and does not influence our obligation to recommend the plan that best fits your needs.

The information provided on this website and during consultations is for general informational and educational purposes only. It does not constitute and should not be relied upon as:

• Legal advice — We are not attorneys. Nothing on this site is legal counsel.
• Medical advice — We are not healthcare providers. Plan descriptions do not constitute medical recommendations.
• Financial planning advice — We are not financial advisors, investment advisors, or accountants.

Insurance plan benefits, networks, premiums, and availability change annually and vary by county. Always verify current plan details directly with the insurance carrier before making any enrollment decision. Enrollment in any insurance plan is your decision, made voluntarily.

We are a private, independent insurance brokerage. Any use of the terms "Medicare," "Medicaid," or related terminology on this website is solely for the purpose of accurately describing the types of insurance products we are licensed to discuss and sell.

If you need official Medicare information, please visit medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

Our services are intended for adults aged 18 and older. Our Medicare services are specifically designed for individuals who are Medicare-eligible (typically age 65+, or younger individuals with qualifying disabilities). By contacting us, you represent that you are at least 18 years of age.

Availability of specific insurance products depends on your state of residence, county, health status, and other factors. We do not guarantee availability of any specific plan, carrier, or benefit in your area.

When you submit a contact form, consultation request, or lead form on this website, you are providing your express written consent as described below.

By submitting a form on this website, you agree that:

• The information you provide is accurate and belongs to you.
• You authorize Willis Advocacy Group and its representatives to contact you at the phone number and email address you provide.
• You consent to receive calls, text messages (including SMS and MMS), and emails from Willis Advocacy Group — including calls and texts made using automated technology or an artificial or pre-recorded voice — for the purpose of responding to your inquiry and providing insurance-related services.
• This consent is not a condition of purchasing any product or service.
• Standard message and data rates may apply to text messages.
• You may opt out of text messages at any time by replying STOP. You may opt out of calls by requesting removal during any call.

Willis Advocacy Group / UKW Consulting Inc. operates an SMS (text message) communications program for individuals who have opted in to receive text messages from us via the lead form on willisadvocacygroup.com.

Program Sender: Willis Advocacy Group (UKW Consulting Inc.), a licensed independent insurance brokerage.

Program Description & Use Cases: The SMS program is used to send the following types of messages to consumers who have provided their phone number and consent through the lead form:

• Appointment confirmations and reminders for free Medicare and life insurance consultations
• Follow-up communications about a consumer's specific inquiry or request
• Annual Enrollment Period (AEP) reminders and plan-year change notifications
• Periodic informational updates about Medicare Advantage, Medicare Supplement, Part D, and life insurance products
• Promotional messages about our brokerage services and the consultations we offer
• Customer service responses, ticket updates, and answers to consumer questions

Message Frequency: Message frequency varies based on your engagement and the time of year. Most consumers receive approximately 2–4 messages per month, with higher frequency during the Medicare Annual Enrollment Period (October 15 – December 7) and Medicare Advantage Open Enrollment Period (January 1 – March 31).

Message & Data Rates: Message and data rates may apply. The cost of receiving SMS messages depends on your mobile carrier and your specific plan. Please consult your mobile carrier for details.

Opt-Out: You can opt out of SMS messages at any time by replying STOP to any message you receive from us. After replying STOP, you will receive one final confirmation message and will not receive further marketing or promotional messages.

Help: For help, reply HELP to any message, call us at (774) 446-0701, or email info@willisadvocacygroup.com.

Privacy: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. SMS opt-in data is used solely by Willis Advocacy Group to communicate with you. See our Privacy Policy for full details.

Eligible Carriers: The SMS program is supported by major U.S. carriers including AT&T, T-Mobile, Verizon, Sprint, U.S. Cellular, MetroPCS, Boost Mobile, Cricket Wireless, and most other U.S. carriers.

You acknowledge and agree that:

• Wireless carriers are not parties to and have no liability under these Terms or our SMS program.
• Message delivery is not guaranteed and depends on factors outside our control.
• Neither Willis Advocacy Group nor any wireless carrier is liable for any harm, damages, missed appointments, missed enrollment deadlines, or any other consequence resulting from delayed, undelivered, duplicate, or otherwise problematic SMS messages.
• You are solely responsible for any charges your carrier may impose for receiving SMS messages, including international or roaming charges if applicable.
• You are responsible for notifying us immediately if your phone number changes or is reassigned to another person, by replying STOP or contacting us at (774) 446-0701.

Willis Advocacy Group uses an AI-powered voice assistant named Aria to answer incoming calls during after-hours periods or when Uhia Willis is unavailable. Aria is powered by Synthflow AI technology.

By calling Willis Advocacy Group and interacting with Aria, you acknowledge:

• You are speaking with an AI virtual assistant, not a licensed insurance agent.
• Aria cannot enroll you in any insurance plan, quote specific premiums, or make plan recommendations.
• Aria's purpose is to collect your basic contact information and schedule a callback with Uhia Willis.
• Your call may be recorded for quality assurance and compliance purposes. By continuing the call, you consent to this recording.
• Information collected by Aria is transmitted to Willis Advocacy Group and handled in accordance with our Privacy Policy.

Aria does not have access to your insurance records, government databases, health records, or financial accounts. All specific plan discussions occur with Uhia Willis personally.

All content on this website — including text, graphics, logos, images, audio clips, and software — is the property of Willis Advocacy Group / UKW Consulting Inc. or its content suppliers and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, publicly display, or create derivative works from any content on this website without our express prior written consent. Limited, personal, non-commercial use for informational purposes is permitted.

The "People Over Profits" tagline and Willis Advocacy Group brand identity are proprietary to UKW Consulting Inc.

This website and its contents are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Accuracy, completeness, or timeliness of information
• Uninterrupted or error-free operation of the website
• Availability or suitability of any specific insurance plan or product

Insurance plan information, including premiums, benefits, networks, and availability, changes frequently. We make reasonable efforts to keep information current but do not guarantee accuracy at any given time. Always confirm plan details with the carrier before enrolling.

We are not responsible for the content, privacy practices, or accuracy of any third-party websites linked from our site.

To the maximum extent permitted by applicable law, Willis Advocacy Group and UKW Consulting Inc., its officers, directors, employees, agents, and affiliates shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, goodwill, or business opportunities
• Damages arising from your reliance on information provided on this website
• Damages resulting from any insurance enrollment decision you make
• Errors or omissions in plan information or benefit descriptions
• Interruptions in website availability

In no event shall our aggregate liability to you for any claims arising out of or related to these Terms or your use of our services exceed the amount, if any, actually paid by you to Willis Advocacy Group in the six months preceding the claim.

Some jurisdictions do not allow certain limitations of liability. In such jurisdictions, our liability is limited to the fullest extent permitted by law.

You agree to indemnify, defend, and hold harmless Willis Advocacy Group, UKW Consulting Inc., and their respective officers, directors, employees, agents, and successors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or relating to:

• Your use of this website or our services
• Your violation of these Terms
• Your submission of false or inaccurate information
• Your violation of any applicable law or regulation
• Any dispute between you and a third-party insurance carrier

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its conflict of law provisions.

Informal Resolution: Before initiating any formal dispute, you agree to contact us at info@willisadvocacygroup.com and make a good faith effort to resolve the matter informally within 30 days.

Venue: Any legal proceeding arising out of or related to these Terms that is not resolved informally shall be brought exclusively in the state or federal courts located in Worcester County, Massachusetts. You consent to personal jurisdiction in those courts.

Waiver of Class Actions: To the extent permitted by law, any dispute shall be resolved on an individual basis and not as part of a class action, class arbitration, or representative proceeding.

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Effective Date" at the top of this page. We may also notify you by email or by a notice on our website homepage.

Your continued use of our website or services after the effective date of any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

If you have questions about these Terms of Service, please contact us: