Terms & Conditions

The materials and information in this site are provided "AS IS" and without warranties of any kind either expressed or implied.

OfficialQuote and its related, affiliated and subsidiary companies disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. 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 advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation. In no event shall OfficialQuote and its related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

Insurance Rate Information

The information used in all insurance rate quotes have been taken from the rate cards and rate manuals which life companies routinely publish and distribute to life agents and brokers. To the best of OfficialQuote's ability, we have done everything we can to ensure that the insurance rate information contained in any insurance rate quotes is up-to-date and accurate. However, we cannot guarantee accuracy. All quotes are for illustration purposes; actual premiums and coverage will be based on age, health history, certain underwriting criteria, location, sex and tobacco usage. Not all policies or companies are available in all states. Federal copyright law prohibits commercial use by other agents, brokers and parties marketing insurance products or information. In the event that there is a discrepancy between the information contained in the insurance rate quotes and any insurance company-authorized illustration and/or policy, the policy shall govern.

Copyright Notices

Unless otherwise noted, the graphic images, buttons, layout and text contained in this Web site are the exclusive property of OfficialQuote and its related, affiliated and subsidiary companies, and may not be copied or distributed, in whole or in part, without the express written consent of OfficialQuote. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use. Insurance company logos are the exclusive property of the respective insurance companies, and are used with permission.

Data Protection

OfficialQuote is not obligated to monitor any transmission made through the respective Web pages and newsgroups. However, OfficialQuote has the right, but not the obligation, to monitor any transmission made to and for this Web site. OfficialQuote may use or disclose information gathered from the site.

Hyperlinks

OfficialQuote cannot guarantee that the hyperlinks contained in this site will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks are developed and possibly maintained by person(s) over whom OfficialQuote has no control. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, OfficialQuote assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. OfficialQuote believes that making hyperlinks to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Product Restrictions

Policies not available in all states. Suicide, misstatement and misrepresentation restrictions may apply. All applications for insurance are subject to underwriting qualification by the specific insurance company to which the application is submitted. Each insurer without prior notice may change availability of premium rates and policy forms.

Company Ratings

All companies quoted by OfficialQuote are rated A-, A, A+ or A++ by the A. M. Best Company, an independent insurance industry analyst that bases its analysis on financial position and operating performance.

Licenses and Insurance Policy Availability

OfficialQuote and/or certain officers are licensed as insurance agents. As noted above, OfficialQuote provides personalized advice, recommends specific insurance companies or policies, but does not issue insurance contracts or bind coverage. In providing the above-mentioned services, OfficialQuote adheres to the rules and regulations set forth by each state's Department of Insurance.