We believe the information provided on this web site to be accurate, and we make every effort to minimize errors. However, since both humans and computers are subject to mistakes, and since information and rates can change quickly, we cannot absolutely guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please inform us.
Rates which may be provided on-line or via e-mail, mail, or fax are estimates and are generally reflective of the prices for the best rate classes available for various life insurance products as of the date that any rate comparisons are prepared by us.
Rates provided in this manner are not firm quotes or offers, but rather estimates which are based on information provided to us by you and by the various insurance companies. Rates and availability are subject to underwriting approval by the insurance company selected, and the criteria to qualify varies widely among insurance companies.
Any and all required illustrations, applications, supplemental forms, and other documents necessary to evaluate and/or apply for life insurance coverage will be provided as soon in the process as they become necessary. Policy forms vary by state. Rates, plans, and availability also vary by state. Rates on most level term life insurance plans will typically increase annually after the initial guarantee period ends. Initial guarantee periods vary, and typically range from 1 to 30 years, depending upon the product you select. Suicide, misstatement, and misrepresentation restrictions may apply. Availability of premium rates and policy forms may be changed by each insurer without prior notice.
If available, invitations for application for life insurance are made through Eugene C. Gordon, d/b/a LifeQuote Holdings, Inc. We are currently licensed in all 50 states and the District of Columbia.
License numbers are available upon request and are automatically provided where required. No solicitation or invitation for application is currently being made in any jurisdiction in which either Eugene C. Gordon (personally), d/b/a LifeQuote Holdings is either not licensed and/or appointed with the company(s) whose rates are provided, illustrated and/or approximated by phone, fax, mail or e-mail.
We may occasionally provide premium rates, features, financial strength ratings, and/or other information about certain companies and products for which we are not appointed to sell. This information is provided as a courtesy and should not be construed as a solicitation or invitation for application for the sale of such products.
For additional information regarding third-party ratings, including the scope and extent of such ratings, Click on an organization below to visit its website and learn more about how companies are rated.
With respect to application requests, the application request form is not an application, but rather a request for an application.
You agree and understand that we may contact you via phone or email to follow up regarding your request for life insurance in order to verify information for the purpose of giving you the most accurate quote possible.
When you fill out our quote request form you are explicitly initiating a relationship with us (as defined by the National Do Not Call Registry), inviting and consenting to the receipt of information by LifeQuote and its affiliate partners (which may be provided to you online, by fax, phone, email, US Mail, etc.) and, as such, are indefinitely waiving any right to claim that we or our affiliates contacted you without your express consent. At any time we will immediately honor any request to be placed on our internal “do not contact” list.
Under Title V of the Gramm-Leach-Bliley Act, consumers have the right to limit the dissemination of nonpublic personal information. LifeQuote maintains a strict policy against the dissemination of nonpublic personal information which may be found in the files of its clients and applicants. All LifeQuote employees are aware of the confidentiality of such information. Such nonpublic personal information is routinely provided by consumers to life insurance companies and related individuals including, but not limited to, their agents, wholesalers, and reinsurers, all of whom need this information in order to evaluate their inquiries, provide accurate price quotations, and underwrite their applications for coverage. As such, in order to provide the high level of service our clients have come to expect, it is understood that by filling out and submitting a quote request form, or application request form, consumers are granting LifeQuote the permission to evaluate this information, and in its sole judgment, to share it with insurance companies, their reinsurers, wholesalers, and other related parties (including the applicant) as necessary for the purpose of shopping for, evaluating, making recommendations regarding, and/or underwriting any proposed or existing life insurance coverage.
Such nonpublic personal information is not used for any other purpose.
Eugene C. Gordon d/b/a AccuQuote derives substantially its revenue through commissions earned from the sale of life insurance and other related products, provides services to its customers on behalf of the insurer(s) and represents the insurer(s) for which any insurance applications are provided to its customers and prospects. The insurance industry is strictly regulated and extremely competitive. As such, commissions paid by insurance companies to brokers such as LifeQuote are often similar. But they can and do vary from company to company. It is entirely possible that several competing products may be available at the same, or similar, pricing and that the sale of one of them may result in a higher total commission paid to LifeQuote than the sale of another. We are serious about our commitment to deliver the best value to our customers. We believe that, in order to determine which product represents the best value, we must examine the price, features, financial strength of the insurance company, as well as the availability based on your individual profile. We are also acutely aware of the fact that, as a consumer, you have many choices as to where you buy anything, including your life insurance.
Our success as a company depends upon our continuing to deliver a superior value to our customers. We appreciate your trust, and the opportunity to earn your business.
The underwriting (risk assessment) will not begin until after the completed and signed application is received by the insurance company.
In conjunction with any formal application for insurance, except as may be provided in a properly-executed Conditional Receipt, 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. If there is any question, concern or ambiguity regarding this issue, please refer to the language on the insurance company’s application form.
LifeQuote advises all proposed insureds NOT to cancel any existing coverage UNTIL they have received their new policy from the issuing company and found it to be satisfactory. Even if you are applying for coverage to replace an existing policy, NEVER cancel the existing coverage until the new policy is approved, in force, delivered and paid for.
Free look on all policies: LifeQuote provides 10 days (or longer if your state insurance laws specify) to look over any new policy and if, for any reason, you decide to cancel the policy within 10 days after receiving it, you will receive a full refund of all premiums paid, no questions asked.
This web site aims to provide as much information as possible, to consumers who seek to educate themselves and make informed decisions about their life insurance. However, since each individual’s situation is different, none of the information provided herein should be construed as legal, tax, financial planning, or other professional advice. Only after a thorough review of your individual needs and circumstances can specific professional advice ever be appropriately provided. The information in the website is provided “as is” and without warranties of any kind either expressed or implied. Eugene C. Gordon d/b/a LifeQuote Holdings, Inc., hereby disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
LifeQuote bears responsibility for the content of the advertisements that we create, but not the method and manner of deliver of such advertisements. Notwithstanding anything in any other past or current agreements to the contrary, our advertising vendors represent that all means used to generate leads, including the serving/display of any advertisements, sending of mail, email, or telemarketing, are legal and do not violate the state or federal laws in the jurisdiction in which they are delivered. Our advertising vendors validate that all email is sent to 100% opt-in lists, and may be required to provide evidence of customer opt-in if a complaint arises. Our advertising vendors bear full liability for damages awarded and the reimbursement of LifeQuote’s legal costs as a result of any legal action brought as a result of violation of any local, state or federal laws regarding the method and manner of the delivery of the message by themselves and their affiliates. LifeQuote endeavors to abide by all local, state and federal laws regarding the content and delivery of electronic advertisements displayed to customers. We do this through third party providers and their affiliates and do not directly supervise or control their ultimate compliance with these policies.
In no event shall Eugene C. Gordon d/b/a LifeQuote, personally be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein. Byron Udell & Associates, Inc. and/or Byron Udell personally (both d/b/a AccuQuote) is not obligated to monitor any transmission made to or through any of the pages contained on this website or any website which may be linked to or from this website. However, and notwithstanding anything herein to the contrary, Byron Udell & Associates, Inc. and/or Byron Udell personally (both d/b/a AccuQuote) has the right to monitor such transmissions and to use or disclose information gathered from this site. The name “LifeQuote” is a federally registered trademark or service marks of Eugene C. Gordon d/b/a LifeQuote Holdings. All content, pages, data, and designs contained in this web site (with the exception of Insurance Company names and logos which are the exclusive property of the respective insurance companies) are copywritten by Byron Udell & Associates, Inc., and/or Byron Udell personally and may not be copied or reproduced, in whole or in part, in any form without the express written consent of Byron Udell.
Keep in mind that underwriting guidelines vary among life insurance companies. Insurance companies determine how much you’ll pay for a policy by placing you into one of several rate classifications, including preferred plus, preferred, and standard.
Our web quoting engine provides you, the consumer, with the opportunity to see the prices for various different rate classifications, based on YOUR selection of a rate class on our quote request page. Your decision to view the prices from multiple insurance companies based on a rate class that you selected is, in no way, indicative of whether or not you may qualify for that particular rate class. Automated quoting is just a beginning. We request that you provide additional information, beyond what is requested for a simple quote, so that you receive a more accurate quote. This custom quote is ordinarily provided to you via telephone, often after a telephone conversation with one of our licensed agents.