Terms And Conditions

Revised: March 11, 2025.

All Access Insurance Network of FLO Marketing Messages

With your prior consent to opt-in, All Access Insurance Network of FLO’s® representatives may place autodialed and/or prerecorded telemarketing calls and/or texts about your quote to the number provided. Consent is not a condition of purchase.

Text Messages: Message & data rates may apply. Message frequency varies. To stop receiving text messages from us, reply STOP to our message. If you elect to stop receiving text messages, you will receive a final text confirming that your number has been unsubscribed. For help, reply HELP to our message  or call support at 1-800-519-4400.

You agree that by opting-in to receive autodialed and/or prerecorded telemarketing calls and/or texts about your quote, this confirms your ability and consent under the Electronic Signatures in Global and National Commerce Act (E-SIGN), 15 U.S.C.A. § 7001 et seq., and the Uniform Electronic Transactions Act (UETA) as enacted in various states, to receive the opt-in disclosure concerning these communications and these terms and conditions electronically from us. You will need the following to access this information on our website: (1) a computer, tablet, or phone capable of accessing the internet (2) an internet service provider and (3) an internet browser capable of viewing our website. If you do not consent to receive the opt-in disclosure and these terms and conditions electronically from us, you may be restricted from receiving autodialed and/or prerecorded telemarketing calls and/or texts about your quote.

By opting-in to receive autodialed and/or prerecorded telemarketing calls and/or texts about your quote, you acknowledge that you have read, understand, and agree to these Terms & Conditions.

All Access Insurance Network fo FLO® Account Alerts

Text Messages. All Access Insurance Network of FLO Account Alerts Program – With your prior consent to opt-in for text messages regarding your policy, we will send text messages to your mobile device. The frequency of the messages will depend on your account activity. We do not charge for this service but message and data rates may apply from your carrier. You can log into your account to change your profile settings. To stop receiving text messages from us, reply STOP to our message. If you elect to stop receiving text messages, you will receive a final text confirming that your number has been unsubscribed. For help, reply HELP to our message  or call support at 1-800-519-4400.

We reserve the right to terminate this text messaging service, in whole or in part, at any time without notice.

  • At this time, we cannot accept questions or policy changes via text; those should continue to be handled by accessing your account or by contacting us at 1-800-519-4400.
  • Alerts sent via SMS (texting service) may not be delivered to you if your phone is not in range of a transmission site, or if sufficient network capacity is not available at a particular time. Even within a coverage area, factors beyond the control of your wireless carrier may interfere with message delivery, including the customer’s equipment, terrain, proximity to buildings, foliage, and weather. You acknowledge that urgent alerts may not be received timely and that your wireless carrier does not guarantee that alerts will be delivered. Likewise, All Access Insurance Network of FLO® cannot guarantee timeliness or delivery and we are not liable for losses or damages arising from non-delivery, delayed delivery, or misdirected delivery of a text message.
  • Text messages to All Access Insurance Network of FLO can never be used to contact 911 or other emergency services.
  • SMS text message notifications may be delayed or not received during regional emergencies or other periods of high messaging traffic.
  • Third parties can send SMS text messages disguised as alerts from All Access Insurance Network of FLO and therefore you are urged to verify independently the authenticity of any message that you receive.
  • SMS text message notifications from All Access Insurance Network of FLO will be presented on your mobile device in the same manner as any other SMS text messages. You accept that each text message may not be encrypted, and may contain information about your policy.
  • All Access Insurance Network of FLO will send text messages using automated technology. If your mobile number is disconnected or transferred to a different mobile carrier, you must complete the consent process at All Access Insurance Network for your new mobile phone number.
  • All Access Insurance Network of FLO is working with AT&T, Verizon Wireless, T-Mobile®, Metro PCS, Sprint, Boost, Virgin Mobile, U.S. Cellular®, and others. Customers who use a different carrier should contact their mobile carrier to determine if this service is available and the cost associated with texting.
  • The mobile carriers are not liable for delayed or undelivered messages.
  • Because many phone companies recycle phone numbers, it is possible for customers who purchase a new phone to receive messages that the previous owner had subscribed to or otherwise consented to receive. All Access Insurance Network of FLO will periodically purge phone numbers that have been reassigned or discontinued after being notified by the phone companies of discontinued/recycled phone numbers.
  • Customers are not required to provide consent to receive text messages as a condition of purchasing any goods or services.
  • By consenting to receive text messages from All Access Insurance Network of FLO, the customer is stating that they are over the age of 13 years and that they wish to receive text communications from All Access Insurance Network of FLO. Consent can be given via email, web site form, telephone key press or voice recording.

If you have any comments, questions or concerns about any of the information in this Terms and Conditions, or any other issues relating to the processing of your personal information by All Access Health Insurance of FLO, please contact us by email at [email protected], or by mail at:
All Access Health Insurance of FLO, LLC
Attention: Legal Compliance
6306 Benjamin Rd Tampa Florida
Tampa, FL 33634