All materials and information found on the website are provided as is. No warranty or guarantee of any kind is implied or expressed in regards to this information. and all related affiliates and subsidiaries disclaim any form of warranty or guarantee, either implied or expressed. This includes, but is not limited to any form of merchantability warranties, or guarantees of fitness for purpose.

It is your responsibility to ensure that any information you utilize is accurate and complete. This also applies to any other advice, opinions or services of any kind. The information provided through this website is only distributed with the full understanding that in no way do the authors or distributors of said information provide any form of professional advice, up to and including financial, accounting or legal advice. We assume no liability in regards to opinions on facts, or to the outcome of the use of information found on this website. We advise you to consult your own attorney or other legal counsel.

Notice of Copyright

All images, graphics, text and other related elements found on this website are the exclusive property of, or our related subsidiaries and affiliates. These elements may not be copied or used without our express permission. All insurance company logos and other related elements are the property of their respective owners and cannot be copied, used or distributed without their permission. You are permitted to make a copy of this document for internal or personal use only.

Protection of Data

We are under no obligation, either express or implied, to monitor information transmitted to or through our website, or any related group, page or forum. However, we do reserve the right to monitor transmitted data and may utilize or disclose that information at our discretion.

The Intended Audience of Our Website

Note that the information found within our website is intended for some, but not all, citizens of the United States. The information contained within our website is not intended for anyone living outside the borders of the US. Note that information provided by insurers is subject to change at any time and with no notice, and that some insurance products are not available in all states.

Restrictions Apply

Note that insurance policies are not available in all states, and that some restrictions and exclusions apply. Any application is subjected to the qualification requirements of the insurance company in question. Premium rates and forms may be changed with no prior notice by insurers.