Last updated: February 2026
Guidance Before 65 ("we," "us," or "our") is a registered DBA (Doing Business As) of Hail Financial Group, LLC, a Limited Liability Company and licensed insurance agency. These Terms of Service ("Terms") govern your access to and use of our website and services. By accessing our website, contacting us, or submitting your information, you agree to these Terms. If you do not agree, please do not use our website or services.
We provide guidance and assistance related to health insurance and Medicare planning, including helping eligible individuals understand and compare plan options and, where requested, connecting them with a licensed insurance agent. We are an insurance agency and act as an intermediary between consumers and insurance carriers. We do not provide legal, tax, or financial advice.
Guidance Before 65 (a DBA of Hail Financial Group, LLC) is a licensed insurance agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (1-800-633-4227) to get information on all of your options. Not connected or affiliated with any United States Government or State agency. This is a solicitation for insurance. A licensed insurance agent may contact you.
Any quotes, comparisons, or plan information we provide are for general informational purposes and are subject to eligibility, underwriting, carrier approval, and the actual terms of any policy you may purchase. Nothing on this website is a guarantee of coverage, benefits, or premium.
You must be at least 18 years old to use our website and services and to provide consent to be contacted. By using our services, you represent that the information you provide is accurate and that you are the subscriber or customary user of any phone number or email address you submit.
By submitting your information or checking a consent box on our forms, you agree that Guidance Before 65 and its licensed representatives may contact you at the phone number(s) and email address you provide, including through automated technology such as auto-dialers, prerecorded or artificial voice messages, text messages, and email, for the purposes described at the point of consent.
Consent to receive marketing communications is not a condition of purchasing any product or service. You may revoke consent at any time as described below and in our Privacy Policy.
If you opt in to receive text messages, the following terms apply:
Mobile information and consent records (including phone numbers and SMS opt-in data) will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors and service providers in support of our Services (such as CRM, calendar, messaging, or compliance providers) is permitted only for the purpose of delivering those Services to you.
You agree to use our website only for lawful purposes and not to: (a) provide false or misleading information; (b) attempt to gain unauthorized access to our systems; (c) interfere with the operation or security of the website; or (d) use the website in any manner that violates applicable law or these Terms.
All content on this website — including text, graphics, logos, and design — is the property of Hail Financial Group, LLC or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, or distribute any content without our prior written permission.
Our website may link to third-party websites and services, including Medicare.gov and insurance carrier websites. We do not control and are not responsible for the content, policies, or practices of any third party. Your use of third-party websites is at your own risk and subject to their terms.
Our website and services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.
To the fullest extent permitted by law, Hail Financial Group, LLC (doing business as Guidance Before 65) and its representatives will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if advised of the possibility of such damages.
You agree to indemnify and hold harmless Hail Financial Group, LLC, its officers, agents, and representatives from any claims, damages, liabilities, and expenses arising from your use of the website or your violation of these Terms.
These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws principles. Any disputes arising under these Terms will be subject to the exclusive jurisdiction of the state and federal courts located in Arizona.
We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Your continued use of our website after changes are posted constitutes acceptance of the updated Terms.
Hail Financial Group, LLC, doing business as Guidance Before 65
7047 East Greenway Parkway, Suite 250, Scottsdale, AZ 85254
Phone: (480) 771-4035
Email: [email protected]
For information about how we handle your data, please review our Privacy Policy.