Effective Date: April 23, 2026

Program Name

Modern Insurance Services SMS Messaging Program

Program Description

Modern Insurance Services offers an SMS messaging program to communicate with current and prospective clients regarding insurance-related matters. Messages may include, but are not limited to:

• Insurance quotes and quote follow-ups 
• Policy information and updates 
• Renewal reminders and service notifications 
• Appointment confirmations 
• Requests for additional information related to insurance services 

Messages are sent only to individuals who have explicitly opted in to receive SMS communications from Modern Insurance Services.

Consent Is Not Required

Consent to receive SMS messages is not a condition of purchasing insurance products or using our services. You may obtain quotes, services, and support from Modern Insurance Services without opting in to SMS messaging.

SMS consent is collected separately from acceptance of general terms and conditions and requires a distinct, unchecked opt-in checkbox.

Message Frequency

Message frequency will vary depending on your interactions with Modern Insurance Services but may include recurring messages related to your insurance relationship.

Message and Data Rates

Message and data rates may apply. Rates are determined by your mobile carrier and your mobile service plan.

Customer Support

For assistance or questions regarding our SMS messaging program:

• Phone: 218-844-3590 
• Email: service@mymoderninsurance.com 
• Website: https://www.mymoderninsurance.... 

Opt-Out Instructions

You may opt out of SMS communications at any time.

Reply STOP to cancel future messages. Reply HELP for assistance or more information.

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

Program Changes

Modern Insurance Services reserves the right to modify or terminate this messaging program at any time. Any changes will be reflected on this Terms of Service page.

Contact Information

Modern Insurance Services PO Box 704 Detroit Lakes, MN 56502 Phone: 218-844-3590