Terms of Use

Last updated: July 2026

Welcome to higplanning.com, operated by Hoffman Insurance Group, LLC ("HIG"). By using this site, you agree to these terms.

Educational Content Only

The content on this site, including articles, calculators, and guides, is provided for general educational purposes. It is not insurance, investment, tax, or legal advice, and it is not a recommendation of any specific product or strategy for your situation. Insurance needs depend on individual circumstances. Speak with a licensed professional before making decisions.

No Offer of Coverage

Nothing on this site constitutes an offer to sell or a solicitation to buy any specific insurance product. Insurance products are subject to underwriting, carrier approval, policy terms, and state availability. Guarantees are backed solely by the claims-paying ability of the issuing insurance company.

Calculators and Illustrations

Any calculators or hypothetical examples on this site are for illustration only. They do not represent the performance of any specific product, and past performance is no guarantee of future results.

Licensing

Dan Hoffman is a licensed insurance agent in Florida (FL License P202452). This site is directed to Florida residents. Products and services described may not be available in all jurisdictions.

Third-Party Links

This site may link to third-party sites and services, including scheduling tools. HIG is not responsible for the content or practices of third-party sites.

Intellectual Property

The content of this site belongs to Hoffman Insurance Group, LLC and may not be reproduced without permission, except for personal, non-commercial use.

Limitation of Liability

This site is provided "as is." HIG is not liable for decisions made in reliance on the site's general educational content. Your use of the site is at your own discretion.

Governing Law

These terms are governed by the laws of the State of Florida.

Contact

Questions about these terms: dan@higplanning.com.