1. Agency and carrier roles
Michael Doty is an independent insurance professional licensed in New York, Maine, Connecticut, Pennsylvania, Virginia, Tennessee, North Carolina, South Carolina, Georgia, Florida, Alabama, Arkansas, Kansas, Iowa, Ohio, Michigan, Indiana, Texas, Arizona, Missouri, Colorado, and Maryland. He is not an insurance carrier and does not underwrite policies or decide claims. Coverage is issued by the applicable carrier and is subject to that carrier’s underwriting, forms, limits, conditions, exclusions, pricing, service area, and availability. No licence number is published on this website.
2. Coverage summaries and quotes
Website descriptions are general educational summaries, not policy or plan language, and do not amend, extend, or alter coverage. Carrier-issued policy and plan documents control. A quote or contact request is not an offer and does not bind coverage. Rates, eligibility, products, discounts, benefits, and carrier participation may change and are not guaranteed.
3. Insurance, not securities or professional advice
Life insurance and annuities are described only as insurance products. The website does not offer securities, investment-advisory services, tax advice, legal advice, or medical advice and does not represent that Michael Doty holds a securities or investment-adviser licence.
4. State and service-area limitations
Website information is intended only for people in states where Michael Doty is licensed and appointed for the requested product. Product availability depends on licensing, appointment, carrier requirements, location, and the applicant’s circumstances. Accessing the website does not imply that insurance may be offered in another state.
5. Medicare
Michael Doty does not currently sell or advertise Medicare Advantage, Medicare Supplement, or Medicare Part D through this website. No Medicare or TPMO marketing disclaimer is presented because the website contains no Medicare marketing or communications.
6. Carrier appointments and compensation
Michael Doty may not be appointed with every carrier or offer every product available in a visitor’s area. He may receive commissions or other compensation from an insurance carrier or service provider when a policy is issued, renewed, or serviced. Compensation may vary.
7. Third-party appointment and enrollment services
Calendly and any external carrier or enrollment links are operated by third parties. Their eligibility rules, terms, privacy notices, accessibility, and security practices apply. A link does not change Michael Doty’s role or guarantee acceptance, enrollment, coverage, benefits, or pricing.
8. Communications and consent
The website’s forms are disabled and do not transmit or store entries. Contact by telephone or email authorizes a direct response about that request. The website does not enable automated calls, prerecorded or artificial-voice calls, automated follow-up, or a marketing text-message program.
9. Questions
For clarification, call (860) 458-4321 or email mike@mikeismybroker.com.