The Basics of Using Our Site.

By accessing or using the LTN Collective website, you agree to these Terms of Use. If you do not agree, please do not use the site.

The content on this website is provided for general educational and informational purposes only. It is not a solicitation, offer, or recommendation of any specific insurance product, and it does not constitute tax, legal, investment, or financial planning advice.

Insurance services are offered through HealthMarkets Insurance Agency. LTN Collective is a team brand led by Lisa T Nguyen. Product availability, benefits, eligibility, and plan options vary by carrier, state, and individual circumstances.

Submitting an application or contacting us does not create an employment relationship or guarantee acceptance. LTN Collective is selective and reviews each submission individually.

Our site may contain links to third-party websites and tools. We are not responsible for the content, policies, or practices of those third parties.

All content on this website, including text, graphics, and branding, is the property of LTN Collective or its licensors and may not be used without permission.

We may update these Terms of Use from time to time. Continued use of the site after changes are posted constitutes acceptance of the updated terms.