LifeQuote Legal Disclaimer (or LifeQuote Customer Policy)
In general, invitations for application for life insurance are made through Eugene C. Gordon, d/b/a LifeQuote Holdings, Inc. (“LifeQuote”). No solicitation or invitation for life insurance application is made in any jurisdiction in which either Eugene C. Gordon (personally), d/b/a LifeQuote Holdings, Inc. is either not licensed and/or appointed with the company(s) whose rates are provided. Appropriate licenses are held in all 50 states.
LifeQuote, its affiliates and owners cannot guarantee and are not responsible for premium quotes provided online. The rates and availability for which you might qualify are based on the underwriting guidelines of the insurance company(s) selected and may vary widely among different carriers. Please note that the application request form is not an application, but rather a request for an application, and we will contact you via email or phone to follow up on your inquiry.
LifeQuote will not disseminate any nonpublic personal information provided to LifeQuote by the applicant or any of the applicant’s health care professionals without the applicant’s express permission as outlined in the insurance request form and the insurance application.
Please understand that no coverage is in force until the insured has received the issued policy, paid the premium and completed any other policy delivery requirements that might be required by the insurance company. To that end, it is important not to cancel any existing insurance until the new policy is received and reviewed for accuracy.
All insurance products quoted or sold through the website are third-party products and not LifeQuote’s products. LifeQuote makes no representations or warranties with respect to such products and accepts no liability in connection with such products. All insurance products are provided pursuant to the terms and conditions of the insurance carrier providing such products. Questions, concerns or disputes regarding any such product should be raised with the insurance carrier, not with LifeQuote.
In no event shall Eugene C. Gordon be held personally liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein. Eugene C. Gordon personally, as well as LifeQuote, is not obligated to monitor any transmission made through the respective web pages. However, LifeQuote has the right, but not the obligation, to monitor any transmission made to and for this website.
The name “LifeQuote” is a federally registered trademark of Eugene C. Gordon/LifeQuote. All content, pages, data, and designs contained in this website (with the exception of Insurance Company names and logos which are the exclusive property of the respective insurance companies) are copy written by LifeQuote and may not be copied or reproduced.
A.M. Best Financial Strength Ratings (FSR)
“Best's Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.”
“Best's Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of LifeQuote Holdings Inc or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best's Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.”
A.M. Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best's Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice.
LifeQuote Disclaimer: Plain English, Please
Part 1: LifeQuote Form Disclaimer
Because we use digital forms on our site to collect information from you, our client, we provide this LifeQuote form disclaimer. Our forms either: (1) collect information so we can provide you with a quote or answer your question, (2) collect information so we can provide you with our free life insurance guide, or (3) collect customer reviews. In all these cases, we may need to contact you. By filling out a form on this site, it’s your responsibility to understand that you’re giving us permission to call you at the number you provide. When it comes to life insurance, that’s the way it should work. We need to ask you some additional questions to make sure we’re providing you with an accurate quote. A few minutes on the phone with us could save you money, time, and hassle.
Part 2: LifeQuote Legal Disclaimer
Our LifeQuote legal disclaimer explains who we are, and what we will or won’t do. You know us as LifeQuote, which is a legal business name for Eugene C. Gordon. (You met him on our About Us page.) He’s an officially licensed life insurance agent in all 50 states, and appointed with any life insurance provider we quote.
Here are the relevant highlights for our LifeQuote legal disclaimer:
- Quoted rates aren’t final rates, as discussed above.
- When you submit an application request form through our site, we’ll call or email you to verify your information and collect the rest of the info needed to submit your application.
- We will not share the personal information you provide - or any info provided by your health care professionals during the application process – without your permission.
- Don’t cancel any existing life insurance until you: (a) make the first payment for your new policy and (b) complete any delivery requirements. Your agent will let you know what these are.
- Our agents help you buy life insurance from national carriers. We are not an insurance company and the policies you buy are not our products.
Part 3: Financial Ratings
As mentioned above in our LifeQuote disclaimer, we provide insurance carriers’ financial ratings for educational purposes only. If you’re choosing a carrier, they may help you make a more educated decision. You may also see these ratings other places, such as on an insurance company’s product pages. But we don’t choose those ratings – that’s done by the A.M. Best organization. They issue and update ratings at their discretion. The rating reflects how well the company’s analysts feel the insurance carrier can meet their financial obligations. It doesn’t reflect anything else about the company, from their customer service to their customer policy. We provide these ratings as part of our LifeQuote customer policy to serve you as best we can.