Legal Information and Terms of Use

Acceptance of Terms

By registering to use, accessing, using, or linking to the website you agree to these Terms of Use, including the agreement to indemnify and hold harmless , its owner, Brokers' Service Marketing Group II, LLC, and their employees, officers, members and agents. These terms of use may be changed at any time without prior notice by and/or its owners.

No provision of legal, investment or other advice; use of calculators and estimators

Neither the website nor any of the content thereon should be construed, considered or relied upon as legal or investment advice. Users are limited to licensed insurance professionals who are solely responsible for providing their end clients with appropriate professional advice and/or referring said clients for appropriate advice before placing an order through or taking other action or inaction. Users are responsible for the advice they provide and for ensuring that their clients are properly advised by appropriate professionals. Calculators and/or estimators that may be used on are provided solely for users to estimate projected, hypothetical needs and should not be relied upon in formulating financial plans. Users are solely responsible for providing competent advice to their clients on their insurance needs based upon an understanding of the client's unique circumstances.

Representations/Warranties/Indemnification

You specifically represent and warrant that you are duly licensed as a life insurance producer in the state(s) in which you provide life insurance services and that shall be utilized solely for the purpose of selecting and ordering life insurance products in jurisdictions where you are possessed of all necessary licenses and permissions and that all such licenses are current and in good standing in such jurisdiction(s). You further represent and warrant that you shall not permit anyone other than yourself to use your login and password and that you shall be solely and completely responsible for all orders placed under your username and password through . You further represent and warrant that you shall utilize solely in a professional and competent manner for the purposes for which it is intended, and that you shall properly, professionally and competently advise your clients with respect to the products provided and the suitability thereof and accept sole responsibility therefore. By registering as a user of , linking to, accessing and/or using , you agree to these terms of use and specifically agree to defend, indemnify and hold harmless , its owner Brokers' Service Marketing Group II, LLC, their employees, officers, members and agents without limitation against all losses, expenses, damages, costs and other liabilities, including reasonable attorney fees, resulting from your use of or any violation of these terms or use.

Disclaimer of Warranty and Limitation of Liability

USE OF THIS SITE IS ENTIRELY AT YOUR OWN RISK. THIS SITE AND THE MATERIAL THEREON IS PROVIDED "AS IS" AND "AS AVAILABLE." AND ITS OWNER BROKERS' SERVICE MARKETING GROUP II, LLC MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, ON THIS SITE. ANY LINKS TO OTHER SITES ARE COURTESIES AND DO NOT CONSTITUTE AN ENDORSEMENT OF THE LINKED MATERIAL. TO THE FULL AND MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AND BROKERS' SERVICE MARKETING GROUP II, LLC DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. AND BROKERS' SERVICE MARKETING GROUP II, LLC DO NOT WARRANT THAT THIS SITE, ITS SERVERS, EMAIL SYSTEM, OR RELATED SYSTEMS ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CONTAMINATING OR HARMFUL CODE AND WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE OR ERRORS OR OMMISSIONS THEREON, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES EVEN IF OR BROKERS' SERVICE MARKETING GROUP II, LLC IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OF CERTAIN LIABILITIES. IF SO, THE LIABILITY OF AND BROKERS' SERVICE MARKETING GROUP II, LLC IS LIMITED, DISCLAIMED AND EXCLUDED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Copyright and Proprietary Rights

The entire contents of the website, excluding only logos or trademarks used thereon with permission, and the arrangement of such content, is owned by Brokers' Service Marketing Group II, LLC and is protected by copyright under United States and foreign laws.

Cancellation of Existing Coverage

As a licensed life insurance producer, you the User agree and are solely and completely responsible for advising and ensuring, that your client does not cancel or terminate any existing coverage until an appropriate time (i.e., after receipt and approval of the new policy).

Accuracy of Quotes

You acknowledge, understand and agree that quotations provided on .com are estimates based upon the information provided and can not be represented or held out as in any way guaranteed. You further acknowledge and understand that your client may receive a premium offer at a different rate than that quoted on . You represent and warrant that you shall accurately and professionally advise your clients that the quotes provided on are estimates and not promises or guarantees.

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