Effective Date: June 16, 2026 | Last Updated: June 16, 2026
These Terms and Conditions ("Terms") govern your use of the Midwest Division Insurance Agency website (midwestdivision.com) and our services. By accessing our website or using our services, you agree to these Terms.
Midwest Division Insurance Agency is a division of Bader Inc., an independent insurance agency licensed to sell insurance products in Iowa, North Dakota, South Dakota, and Nebraska. We specialize in Medicare, Medicare Supplement, Medicare Advantage, Final Expense Life, Cancer, Heart Attack & Stroke, and other supplemental insurance products for the senior market.
You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:
The information on our website is for general informational purposes only and does not constitute an offer to sell insurance. Insurance products are sold only by licensed insurance agents in states where we are properly licensed. Coverage availability, eligibility, and rates vary by state and individual circumstances.
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
We are not connected with or endorsed by the U.S. government or the federal Medicare program. This website is a solicitation of insurance.
By providing your phone number and agreeing to our SMS consent on this website, you agree to the following SMS program terms:
Program name: Midwest Division Insurance Agency Client Communications
Program description: SMS messages related to insurance inquiries, appointment confirmations and reminders, Annual Enrollment Period (AEP) notifications, policy reviews, renewals, and other service-related communications.
Message frequency: Varies; typically 2–4 messages per month per recipient.
Cost: Standard message and data rates may apply per your mobile carrier agreement. Midwest Division does not charge for these messages.
Opt-out: Reply STOP to any SMS message to unsubscribe immediately. You will receive a confirmation text acknowledging your opt-out.
Help: Reply HELP to any SMS message for assistance. You may also contact us at (605) 274-7420 or info@midwestdivision.com.
Re-subscribing: Reply START to re-subscribe to messages after opting out.
Supported carriers: AT&T, Verizon, T-Mobile, US Cellular, Sprint, and other US mobile carriers. Carriers are not liable for delayed or undelivered messages.
Privacy: Your phone number and SMS opt-in data will never be sold, rented, or shared with third parties for marketing purposes.
By submitting our contact form or otherwise providing your contact information, you consent to receive communications from Midwest Division Insurance Agency by phone call, SMS text message, email, and postal mail regarding your insurance inquiry and related services. This consent is not a condition of purchase. You may opt out of any communication channel at any time.
All content on this website, including text, graphics, logos, images, and software, is the property of Midwest Division Insurance Agency or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
Our website may contain links to third-party websites for your convenience. We are not responsible for the content, accuracy, or privacy practices of third-party websites. Use of third-party websites is at your own risk.
The information on this website is provided "as is" without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free from harmful components.
Insurance information provided on this website is general in nature and should not be relied upon as a substitute for personalized advice from a licensed insurance agent.
To the maximum extent permitted by law, Midwest Division Insurance Agency, Bader Inc., and their officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services.
You agree to indemnify and hold harmless Midwest Division Insurance Agency, Bader Inc., and their officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your violation of these Terms or your misuse of the website.
These Terms are governed by the laws of the State of South Dakota, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Sioux Falls, South Dakota.
We may update these Terms from time to time. Continued use of our website after changes are posted constitutes acceptance of the revised Terms. The "Last Updated" date reflects the most recent revision.
A division of Bader Inc.
3701 West 49th Street, STE 203
Sioux Falls, South Dakota 57106
Phone: (605) 274-7420
Email: info@midwestdivision.com