Legal Information

The information contained in this website is for general information and educational purposes only. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, or reliability of this information. Any reliance you place on such information is therefore strictly at your own risk.

Terms of Use

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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,, 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. 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,, 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’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.


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. 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 is not obligated to monitor any transmission made through the respective web pages and newsgroups. However, has the right, but not the obligation, to monitor any transmission made to and for this web site. 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. 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 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 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.