Terms & Conditions

Effective Date: October 2, 2026

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This website is operated by Mike Wejrowski, doing business as MW Diversified Insurance Services (“MW Diversified,” “we,” “us,” or “our”). These Terms and Conditions describe the conditions for using our website.

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1. Purpose of This Website

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Our website provides general information about insurance coverage and related planning topics. Its content does not constitute an insurance policy, an offer to bind coverage, or individualized legal, tax, or investment advice.

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Recommendations depend on your circumstances, needs, eligibility, and the products available through the insurance companies we represent. Insurance services are offered only where appropriately licensed and authorized.

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2. Insurance Coverage and Policy Information

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Requesting information, scheduling a consultation, or discussing coverage does not establish insurance coverage or guarantee approval.

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Eligibility, premiums, effective dates, benefits, exclusions, and other conditions are determined by the insurer and the applicable policy. Coverage takes effect only after the insurer’s requirements have been satisfied.

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Website descriptions are summaries. The issued policy and applicable endorsements govern coverage.

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3. Illustrations and Planning Examples

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Policy illustrations and examples are provided to help explain how a product or strategy may work. Nonguaranteed values are hypothetical and may differ from actual results.

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Cash value, policy loans, withdrawals, living benefits, and other features are subject to policy terms, costs, and limitations. Loans and withdrawals may reduce policy values and death benefits, and insufficient funding may cause a policy to lapse. Tax consequences depend on individual circumstances and how the policy is structured and used.

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Consult qualified legal and tax professionals when evaluating trusts, estate planning, or tax-related decisions.

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4. Consultations and Communications

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Consultations are scheduled through a third-party scheduling service. Please provide accurate contact information and use the scheduling confirmation to cancel or reschedule when necessary.

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Information supplied during scheduling is used for appointment coordination, meeting preparation, and personal follow-up regarding your inquiry. Booking an appointment does not enroll you in a promotional email or text campaign.

A consultation does not obligate you to purchase coverage.

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5. Third-Party Services and Referrals

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Our website may link to third-party services, including our scheduling provider. Those services have their own terms and privacy policies.

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When requested, we may introduce you to a separate organization or professional. A referral does not guarantee the quality, availability, or outcome of that organization’s services. Review its qualifications, fees, and terms before deciding to proceed.

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MW Diversified is a private insurance business and is not affiliated with or endorsed by the U.S. Department of Veterans Affairs. We do not prepare, submit, or represent veterans in VA benefits claims.

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6. Acceptable Use and Website Content

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You may use this website for lawful purposes and to learn about our services. You may not interfere with its operation, attempt unauthorized access, introduce harmful code, or submit misleading information.

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Website text, branding, and graphics are owned by MW Diversified or used with permission, subject to applicable third-party rights. You may view or print content for personal, noncommercial use. Other reproduction or commercial use requires permission.

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7. Website Availability and Limitations

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We aim to keep our website accurate and current, but information may contain errors or become outdated. We may change content or temporarily suspend access.

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To the extent permitted by law, we are not responsible for indirect or consequential losses arising from website use or interruptions. Nothing in these terms excludes liability or limits rights that cannot lawfully be excluded or limited.

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8. Privacy

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Our Privacy Policy explains how we handle information associated with website visits, scheduling, and inquiries. Please review it before providing personal information.

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9. Changes to These Terms

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We may update these terms as our website or services change. Revised terms will appear on this page with an updated effective date.

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10. Contact

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For questions about these Terms and Conditions, contact:

Mike Wejrowski
MW Diversified Insurance Services
Email: mike@mwdiversified.com