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Important Notices & Disclaimers

General Important Notices and Disclaimers

The quotes, prices, or rates shown are subject to change based on the proposed insured’s medical history, underwriting practices of the insurance plan, the selection of the optional benefits selected, occupation (where allowed by state), if any, and other relevant factors. The insurance company reserves the right to change the terms of a policy upon proper notification.

The quotes, prices, or rates shown are estimates only. Your premium is subject to change based on your medical history (pursuant to state law of residence), the underwriting practices of the insurance company, the optional benefits you selected, if any, and other relevant factors, such as changes in rates which take effect before your requested effective date. The insurance company always determines your actual premium. Insurance companies reserve the right to change the terms of a policy upon proper notification.

The quotes, prices, or rates are for the requested effective date ONLY. Effective date is defined as the date that you select for your coverage to start.  The effective date may not be the date quotes, prices, or rates are provided to you.  If the actual effective date of coverage is different from the requested effective date, the actual price quote may differ from the price quote due to rate increases or policy changes from the insurance company and/or one or more family members having a birthday. (Rates are highly dependent on age.)  The carrier you selected may not guarantee their rates for any period of time.

Applicants should not cancel any in-force coverage until written formal approval from the insurance company selected is received. This is not a complete solicitation of insurance coverage.

Replacing Existing Insurance

DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN NOTIFICATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS ACTIVE AND IN EFFECT FOR THE DATE YOU WISH TO CANCEL ANY EXISTING COVERAGE.

Make sure you understand and agree with the terms of the insurance policy.  Pay special attention to the effective date, premium amount, elimination period, benefits, limitations, exclusions, and riders.

Carriers cannot guarantee the availability of a provider (or providers), and may add, delete or change a participating provider (or providers) at any time without prior notice to you. Please contact your chosen carrier for updated information before using the services of any provider.

The Monthly Price Quote amounts shown are subject to change at any time. Insurance companies reserve the right to change the terms of a policy upon proper notification.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers, and distributors are not rendering legal, accounting, or other professional advise or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with it’s use. Consult your own legal advisor with respect to your personal situation.

Product Restrictions:

Policies not available in all states. Misstatements and misrepresentation restrictions will apply. All applications for insurance are subject to underwriting qualification by the specific insurance company to which the application is submitted. Availability of premium rates and policy forms may be changed by each insurer without prior notice. There is no guarantee that an offer for disability insurance will be made at the conclusion of the application process.

We are not an insurance company but act as an agent representing numerous insurance companies.

We do not endorse any specific carrier.

Each insurance carrier may have unique Notices, Disclaimers, and Fees. Please check for information regarding the plans and carriers you selected.