Last Updated: February 4, 2026

Welcome to Global AIB. These Terms and Conditions govern your use of our website located at https://globalaib.com and the services provided by Global AIB. By accessing this website, you agree to be bound by these terms in their entirety.

1. Professional Services and Brokerage Disclosure

Global AIB is an independent international insurance broker. We represent our clients’ interests, not those of the insurance companies. We provide access to premium international insurers and offer comprehensive protection in:

• International Health & Life Insurance
• Professional Disability Coverage
• International Student Health Plans (F-1/J-1 Visa Compliant)
• Travel and Property & Casualty Insurance

2. Limitation of Liability

Global AIB acts strictly as an intermediary broker and is not the insurance carrier/underwriter.

• Claims: All insurance claims are subject to the specific terms, conditions, and exclusions of the third-party insurer’s policy. Global AIB is not responsible for claim denials or payment delays by the carrier.
• Website Accuracy: While we strive for accuracy, we do not warrant that the descriptions or pricing on this site are error-free.

3. Intellectual Property Rights

Unless otherwise stated, Global AIB owns the intellectual property rights for all material on this website. You may access this for personal use, but you must not:

• Republish, sell, or rent material from globalaib.com.
• Reproduce, duplicate, or copy material for commercial purposes.

4. User Obligations

By using this site, you agree not to use it for any fraudulent activity or in any way that violates international trade sanctions, including those administered by the U.S. Office of Foreign Asset Control (OFAC).

5. Governing Law

These terms are governed by and construed in accordance with the laws of the State of Florida, USA. Any legal action or proceeding shall be brought exclusively in the courts of Miami-Dade County, Florida.