Industry-Specific Disclosures & Regulatory Compliance

Effective Date: 10/22/2025
Last Updated:10/22/2025

1. About Our Licensing & Oversight

Arnett Evans and Company LLC (dba AEC Insure) is a licensed, independent insurance brokerage headquartered in Horn Lake, Mississippi, operating in the following states:
Mississippi, Tennessee, Maine, Michigan, Florida, and Texas.

AEC Insure and its agents are licensed under applicable state Departments of Insurance (DOIs).
All business activities comply with the laws and regulations of the National Association of Insurance Commissioners (NAIC), Centers for Medicare & Medicaid Services (CMS), and each state’s insurance authority.

Our National Producer Number (NPN) and individual state license numbers are available upon request.

2. CMS & Medicare Compliance Statement

AEC Insure is not affiliated with or endorsed by the U.S. government, the Centers for Medicare & Medicaid Services (CMS), or any federal Medicare program.

All Medicare Advantage, Prescription Drug Plan, and Medicare Supplement information provided through our website or agents complies with current CMS marketing and communication guidelines (42 CFR § 422.2260 et seq. and § 423.2260 et seq.).

All agents and brokers are trained and certified annually under CMS Medicare Marketing Guidelines and authorized by the carriers they represent.

Important: Enrollment in any Medicare plan depends on contract renewal with CMS.
Benefits, premiums, and co-pays may change each year.
Please consult official plan documents before making final enrollment decisions.

3. Health Insurance Marketplace (ACA) Compliance

AEC Insure operates as a licensed health insurance broker offering ACA-compliant plans through the federal Marketplace (HealthCare.gov) and directly through approved carriers.

Our agents maintain current Federally Facilitated Marketplace (FFM) registration and training certifications as required under 45 CFR §155.220.
We adhere to all privacy, disclosure, and data-handling requirements outlined by the Centers for Medicare & Medicaid Services (CMS).

4. Carrier Relationships & Compensation Disclosure

AEC Insure is an independent agency, not owned or controlled by any insurance carrier.
We represent multiple carriers to provide clients with a range of coverage options.

Our agency and licensed brokers may receive standard commissions or service fees from insurance carriers for policies sold or renewed.
This compensation does not influence plan recommendations.
All recommendations are made in the best interest of the client, in accordance with applicable state and federal insurance regulations.

5. Advertising & Lead Generation Disclosure

AEC Insure’s website, digital ads, email campaigns, and online forms are marketing materials for insurance products.
By submitting your information through www.aecinsure.com, you consent to be contacted by a licensed insurance agent via phone, text, or email — even if your number appears on a federal or state Do Not Call list.

All marketing practices comply with the Telephone Consumer Protection Act (TCPA) and CAN-SPAM Act.
We do not sell or rent consumer information to third-party marketers.

6. Accessibility & Non-Discrimination Notice

AEC Insure complies with Section 504 of the Rehabilitation Act, the Americans with Disabilities Act (ADA), and Section 1557 of the Affordable Care Act (ACA).
We provide equal access to our services for all individuals, including those with disabilities or limited English proficiency.

Language assistance and alternate formats of documents are available upon request.
To request assistance, contact us at [accessibility@aecinsure.com].

7. Data Privacy & Security Compliance

AEC Insure follows applicable data protection and privacy regulations, including:

• Gramm-Leach-Bliley Act (GLBA)

• Health Insurance Portability and Accountability Act (HIPAA) (where applicable)

• California Consumer Privacy Act (CCPA) and CPRA

• State-level privacy and cybersecurity requirements

All personal data collected through this website is encrypted and stored securely.
We maintain administrative, physical, and technical safeguards consistent with industry standards.

8. Complaint Resolution & Contact Information

If you believe AEC Insure or any affiliated agent has violated an insurance regulation or marketing guideline, you may contact us directly or file a complaint with your state Department of Insurance.

AEC Insure Compliance Office
📍 Horn Lake, Mississippi
📧 [compliance@aecinsure.com]
🌐 https://www.aecinsure.com

For state-level consumer protection agencies:

• Mississippi DOI: https://www.mid.ms.gov

• Tennessee DOI: https://www.tn.gov/commerce

• Maine DOI: https://www.maine.gov/pfr/insurance

• Michigan DOI: https://www.michigan.gov/difs

• Florida DOI: https://www.myfloridacfo.com/division/consumers

• Texas DOI: https://www.tdi.texas.gov

9. Updates & Amendments

AEC Insure reserves the right to update this page to reflect new regulatory requirements, carrier relationships, or business changes.
Revisions will be dated and published on this page for public access.