Terms of Use

About us

DSR Insurance Group is an independent insurance agency. David Ray is a licensed insurance agent (NPN 16329713) in North Carolina. We are not an insurance company. Not affiliated with or endorsed by the U.S. government or the federal Medicare program.

Information on this site

The answers, tools and figures on this site are general education, not legal, tax or financial advice. Plan availability, costs and benefits depend on the plan and where you live, and they can change each year. Medicare figures come from official Medicare sources for the year shown. Always confirm details in the plan's official documents before you enroll, and talk with us about your own situation.

No cost and no obligation

Asking a question, using a tool or meeting with us costs you nothing, and you never have to enroll in anything. The plans we offer are listed in the disclosures at the bottom of each page.

Text message terms

When you check the text message box on one of our forms, you agree to receive texts from DSR Insurance Group at the number you gave us, such as appointment reminders, answers to your questions, and plan updates you sign up for. Message frequency varies. Message and data rates may apply.

Reply STOP at any time to cancel; we'll send one text to confirm. Reply HELP for help, or call (984) 224-7420 (TTY 711) or email dave@dsrinsurancegroup.com. Agreeing to texts is not a condition of buying anything. Mobile carriers are not liable for delayed or undelivered messages. See our Privacy Policy for how we protect your number.

Calls and meetings

Calls and meetings about Medicare plans may be recorded, as Medicare rules require. We'll tell you at the start.

Using this site

Please use this site only for lawful purposes. The text, videos, tools and design on this site belong to DSR Insurance Group and may not be copied for commercial use without permission. We work to keep everything accurate and current, but the site may contain errors, so please talk with us before making a coverage decision.

Accessibility

This site has larger text, higher contrast and simple mode settings. If anything is hard to use, call (984) 224-7420 (TTY 711) and we'll help.

Governing law and changes

These terms are governed by the laws of North Carolina. If we change them, we'll post the new version here with its effective date. Effective October 29, 2026.