Terms of Use
Trademarks &
Copyright
LongevityQuotes.com a service mark of DeHayes Consulting
Group, all rights reserved.
Unless otherwise noted, the graphic images, buttons, layout,
and text contained in this web site are the exclusive property of DeHayes
Consulting Group, and/or its affiliates, or the insurance companies
represented, and may not be copied or distributed, in whole or in part, without
the express written consent of the DeHayes Consulting Group. 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. Any other use is
unauthorized.
Legal Notice and Disclaimer
THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED
"AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR
IMPLIED. DeHayes Consulting Group, LongevityQuotes.com, and its related
affiliated and subsidiary companies, disclaims all warranties, express 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.
LongevityQuotes.com assumes that you are submitting accurate
information on your own behalf, and is not responsible for information you have
submitted for or on behalf of someone else, with or without this party's
consent.
In no event shall DeHayes Consulting Group, LongevityQuotes.com,
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 DeHayes
Consulting Group and LongevityQuotes.com’s ability, has done everything to
ensure that the insurance rate information contained in any insurance rate
quotes is up-to-date and accurate. However, accuracy cannot be guaranteed.
All quotes are for illustration purposes. Actual premiums
and coverage will be based on age, gender, health history, certain underwriting
criteria, state of residence, 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.
Hyperlinks
DeHayes Consulting Group cannot guarantee that the
hyperlinks contained in this site will be accurate at the time of your access.
Moreover, DeHayes Consulting Group has no control over the development,
maintenance, terms of use, or policies and procedures of third-party sites
referenced via hyperlinks. LongevityQuotes.com assumes no responsibility for
the content of any third-party site referenced via hyperlink or otherwise.
These hyperlinks are offered as a convenience and for
informational purposes only, not as referrals or endorsements of the
third-party sites.
Data Protection
LongevityQuotes.com is not obligated to monitor any
transmission made through the respective web pages and newsgroups. However, LongevityQuotes.com
has the right, but not the obligation, to monitor any transmission made to and
for this web site. LongevityQuotes.com may use or disclose information gathered
from the web site.
Intended Audience
This web site is published for some, but not all residents
of the United States of
America. LongevityQuotes.com is licensed to
do business in all states including District
of Columbia. He is not licensed outside of the United States.
Product Restrictions
Product(s) are subject to underwriting requirements. Suicide
limitations apply. Product(s) are not available in all states.
Company Ratings
All companies quoted by LongevityQuotes.com Insurance
Services are rated A-, A, A+ or A++ by the A. M. Best Company, an independent
insurance industry analyst. For a detailed explanation, see A. M. Best
Insurance Ratings Guide .
Licenses and
Insurance Policy Availability
Not all policies or companies are available in all states.
Agent(s) of LongevityQuotes.com are licensed to sell policies in all states and
the District of Columbia.
Agent license numbers are listed below as required by state law in California, Minnesota, Louisiana, Utah and Massachusetts
Contacting Us
If you have any
questions about our legal information, the practices of this site or your
dealings with this website, you can contact us.
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