Terms & Conditions

Effective date: July 20, 2026 · Bay Harbor Benefits (Going Nowhere Fast LLC), Bay Harbor Islands, FL

Our service

Bay Harbor Benefits is an independent insurance agency. We help consumers review and compare insurance options available in their area and enroll in coverage they choose. Our help costs you nothing, and requesting a review creates no obligation to enroll in any plan.

SMS terms

By checking the consent box on our website form, you agree to receive calls and text messages from Bay Harbor Benefits at the phone number you provided, regarding the plan review you requested and related servicing.

Message frequency varies. Message and data rates may apply.
Reply STOP to cancel text messages at any time. Reply HELP for help, or contact (305) 859-1704 or michael@bayharborbenefits.com.
Carriers are not liable for delayed or undelivered messages.
Consent to receive messages is not a condition of purchasing any goods or services.

No guarantees of coverage details

Plan availability, provider networks, and drug coverage are checked as of the date of review and can change. Final terms of any insurance plan are governed by the plan's own documents and the issuing carrier.

Important disclosures

We do not offer every plan available in your area. Please see the disclosures in the footer of every page of this website, which are incorporated into these terms. This website is a solicitation for insurance.

Governing law

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

Contact

michael@bayharborbenefits.com · (305) 859-1704 · Bay Harbor Islands, FL.