Terms and Conditions

1. Introduction and Acceptance

• This agreement governs your use of our website.

• By accessing this site, you accept these terms completely.

• If you disagree, you must stop using this website immediately.

• We reserve the right to modify terms at any time.

2. No Professional Advice or Solicitation

• Content on this website is for informational purposes only.

• Information does not constitute financial, legal, or tax advice.

• Site visits do not create a broker-client relationship.

• Products may not be available in all geographic jurisdictions.

3. Independent Brokerage Status

• We operate as an independent insurance broker.

• We represent multiple third-party insurance carriers, not you.

• Quotes provided are non-binding estimates from independent carriers.

• Final policy approval rests solely with the issuing carrier.

4. Accuracy of User Information

• You agree to provide accurate and complete personal data.

• Providing fraudulent details may void prospective insurance coverage.

• You are responsible for maintaining your account credentials' security.

5. Intellectual Property

• All logos, text, graphics, and tools belong to us.

• You may not copy or reuse content without permission.

• Temporary caching for personal browsing is permitted.

6. Limitation of Liability

• We provide this website on an "as-is" basis.

• We do not guarantee uninterrupted or error-free site operation.

• We are not liable for direct or indirect financial losses.

• This includes damages from software viruses or third-party links.

7. Third-Party Links and Resources

• Our site contains links to external insurance carrier portals.

• We do not control or endorse external website content.

• Your use of external sites is at your own risk.

8. Governing Law and Jurisdiction

• These terms are governed by your state's laws.

• Disputes will be resolved exclusively in local state courts.

9. Online Quoting Tool Disclaimer

• Illustrative Estimates Only: All quotes generated by the online calculator are non-binding illustrations based on preliminary user input.

• No Underwriting Authority: The tool evaluates standard matrix data and does not perform medical underwriting or background checks.

• Carrier Final Discretion: Actual premiums, policy features, and final coverage approval are determined solely by the issuing insurance company.

• Rate Fluctuations: Quoted rates are subject to change at any time based on carrier updates, age changes, or underwriting discoveries.

• No Immediate Binding: Submitting info through the calculator does not activate, bind, or guarantee any insurance policy coverage.