Purpose
This website is intended for the user’s own use in reviewing information for life insurance and disability insurance. By accessing this website, you agree to be bound by the terms and conditions that appear herein. These terms and conditions are subject to change. Insuring Income reserves the right to modify these terms and conditions, which it may do by posting changes to the website. If you do not agree with these terms and conditions, please do not access the website.
Web Content and Materials
The information on this website is for informational purposes only and is subject to change without notice. Products and services described in this website may not be suitable for all users. The contents hereof do not constitute an offer or a solicitation to buy or sell any financial instrument, insurance policy, product, or service. FURTHERMORE, THE CONTENTS HEREOF ARE NOT INTENDED FOR ACCESS BY, DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE SUCH ACCESS, DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. Not all products and services mentioned in this website are available in all jurisdictions. Users outside the United States should refer to other websites for information.
Certain portions or pages of this website are subject to additional disclosures and disclaimers. In the event of a conflict between those disclosures and disclaimers and these terms and conditions, the additional disclosures and disclaimers will govern for such portions and pages.
Disclaimer of Warranties and Limitation of Liability
THE INFORMATION AND CONTENT ON THIS WEBSITE ARE PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS. INSURING INCOME MAKES NO REPRESENTATION ABOUT THE SUITABILITY OF THE CONTENT OF THE WEBSITE. INSURING INCOME DISCLAIMS ANY WARRANTIES AND REPRESENTATIONS WITH REGARD TO CONTENT, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, AND FREEDOM FROM VIRUSES OR OTHER CONTAMINATION.
IN NO EVENT WILL INSURING INCOME BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE, REGARDLESS OF WHETHER INSURING INCOME HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE.
Third-Party Links
Insuring Income may provide a link to other sites through this website. Insuring Income does not control any third-party site and makes no representations concerning the content of any such site and expressly disclaims any liability with respect thereto.
Copyright Notice and Policy
The contents of the insuringincome.com website are protected by applicable copyright laws. No permission is granted to copy, distribute, or modify any material herein or to post any text, graphics, video, audio or other material hereto. This website is copyrighted by Insuring Income. All rights reserved.
Governing Law
The user’s access to and use of this website, and these terms and conditions including the limitation of liability, are governed by the laws of the Commonwealth of Massachusetts, United States of America, notwithstanding any principles of conflicts of law.
Licenses
Insuring Income brokers are licensed in all 50 states of the United States of America, plus DC. Insuring Income does not conduct business outside of the United States of America.
Insuring Income advises all proposed insureds not to cancel any existing coverage until they have put a replacement policy in place.
Even if you are applying for coverage to replace an existing policy, do not cancel the existing coverage until the new policy is in force.
Personal Information
Under Title V of the Gramm-Leach-Bliley Act, consumers have the right to limit the dissemination of nonpublic personal information. Insuring Income maintains a strict policy against the dissemination of nonpublic personal information which may be found in the files of its clients and applicants. All Insuring Insurance employees are trained and aware of the confidentiality of such information. Such nonpublic personal information is routinely provided by consumers to life insurance and disability 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 a high level of service to our clients, it is understood that by filling out and submitting a quote request form, or application request form, consumers are granting Insuring Income the permission to evaluate this information, and in it’s sole judgment, to share it with insurance companies, their reinsurers, wholesalers, and other related parties as necessary for the purpose of shopping for, quoting, evaluating, and making recommendations regarding underwriting any proposed or existing disability or life insurance coverage. Such nonpublic personal information is not used for any other purpose.
The underwriting (risk assessment) will not begin until after the completed signed application is received by the insurance company.
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.
Formal rates for each insurance company ultimately govern in a situation where there is a discrepancy from the quote from this website and/or from any affiliate websites.