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Disclaimer & Terms of Use

Legal Restrictions

Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times. Certain restrictions, conditions, and eligibility requirements apply. In addition, if you are a United States or a foreign citizen physically located and/or living in the United States while viewing this website, there may be certain additional restrictions, conditions, and eligibility requirements that apply. Please contact us for details.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by us in any jurisdiction where such an offer or solicitation would be unlawful or in which we, our insurance carriers or managing general underwriters are not qualified to do so.


Limitation of Liability

Access to and the use of the materials and information on this website are provided on an "as is" and "as available" basis without expressed or implied warranties of any kind. To the fullest extent permissible under applicable law, We disclaim all warranties, expressed or implied, including, but not limited to, any implied warranty or merchantability or fitness for a particular purpose. We do not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website, or the server that makes it available, are free of viruses or other harmful components. We do not warrant or make any representations regarding the use or the results of the use of the materials in this website in terms of their correctness, accuracy, reliability, or otherwise. You (not we) assume the entire cost of all necessary servicing, repair, or correction relating in any way to your use of this site. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

We, and our related, affiliated, and subsidiary companies, cannot and do not guarantee the completeness or accuracy of any information obtained from this website or its applicability to your unique situation.

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 for guidance on your personal situation.

In no event shall we and our 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.

We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However, we cannot guarantee 100% accuracy.

In the event that there is a discrepancy between the information contained on this website, and any insurance company authorized illustration and/or policy, the policy shall govern.

Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you.


This agreement regarding the legal restrictions and terms of use for this website is elective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from any and all of our website(s) and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise. This agreement will terminate immediately without notice from Us if, in our sole discretion, you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this website and any and all of our other website(s) and all copies thereof, whether made under the terms of this agreement or otherwise.

Copyrights and Trademarks

This website is owned and operated by or BrokersNexus®. No material from this website may be copied, reproduced, downloaded, uploaded, displayed, sold, published, republished, posted, transmitted, distributed, incorporated into another work, or otherwise exploited in any way without the prior written consent of BrokersNexus®. The modification or use of the materials from this site for any commercial purpose is strictly prohibited and is a violation of trademark, copyright, and other proprietary rights owned by parties including BrokersNexus® and its affiliates.

BROKERSNEXUS is a registered trademark of BrokersNexus®.

All other marks, registered marks, service marks, trademarks, and the logos and designs in these web pages are the property of their respective owners.

Discussion Forums and Ask Our Specialists

The discussion forum on this website are provided solely for the purpose of exchanging information among website visitors. Views presented are from individual visitors to our website and We do not endorse them in any way. Answers provided by Licensed Insurance Agents in Ask Our Specialists are deemed to be accurate at the time of answering them, but may be come inaccurate or outdated over time.

You should interpret the content at entirely your own risk, as we are not liable or responsible in any manner for you using any of the information presented therein. Your individual situation may vary, and you should not take any decision solely based on the views posted here by the visitors to our website.

By providing any content to our website:

  • You agree to grant to us a worldwide, royalty-free, perpetual, non-exclusive right and license (including any moral rights or other necessary rights) to use, display, reproduce, modify, adapt, publish, distribute, perform, promote, archive, translate, and to create derivative works and compilations, in whole or in part. Such license will apply with respect to any form, media, or technology known or later developed;
  • You warrant and represent that you have all legal, moral, and other rights that may be necessary to grant us with the license set forth in this section, and such content is not subject to any third-party copyright or any other proprietary right;
  • You acknowledge and agree that we shall have the right (but not obligation), in our sole discretion, to refuse to publish or to remove or block access to any content you provide at any time and for any reason, with or without notice.

Comments are created for the public, by the public, and the views of the authors are protected under the First Amendment rights of the United States Constitution.

Google Translation

Translation of pages on this website is performed by Google Translate, a third party service which we have no control over. Google Translate provides automated computer translations of text and web pages into different languages, and such translations are only an approximation of the website's original content. The translations should not be considered exact and only used as a rough guide, as in some cases it may include incorrect, incomplete, or offensive language. We do not warrant the accuracy, reliability, or timeliness of any information translated by Google Translate and will not accept liability for loss incurred as a result. Any person or entities that obtain or rely upon information obtained from the Google Translate service does so at their own risk. When this translation service is used, you assume the risk of any inaccuracies, errors, or other problems encountered. We are not responsible for any liability, damage or issues that may possibly result from using Google Translate. Some files and other items cannot be translated, including, but not limited to, sample documents, graphical buttons, drop down menus, graphics, and photos. In addition, some applications and/or services may not work as expected when translated.

If you have any questions about Google Translate, please click the following link: Google Translate FAQs.

Patient Protection and Affordable Care Act ("PPACA")

Most insurance products available on this website are not subject to, and do not provide certain insurance benefits required by, the United States PPACA ("Obamacare"). In no event will Underwriters provide benefits in excess of those specified in the policy documents, and this insurance is not subject to guaranteed issuance or renewal. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances, penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if the PPACA's requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.


You agree that this Terms of Use and any dispute arising out of your use of this website or our products and services shall be governed by and construed in accordance with local laws where the headquarters of the owner of this website is located, without regard to its conflict of law provisions. By registering or using this website and service, you consent and submit to the exclusive jurisdiction and venue of the county or city where the headquarters of the owner of this website is located. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject matter herein and shall not be modified except in writing, signed by both Parties. If you become dissatisfied in any way with this website or its terms and conditions, or if you do not agree to the terms and conditions contained herein, your sole and exclusive remedy is to stop using this website and its services.


You agree to indemnify the Company, the website, and its affiliates, employees, agents and representatives, and to hold them harmless from any and all claims and liabilities (including reasonable attorneys' fees) that may arise from or as a result of your submissions, from your unauthorized use of material obtained through the website, from your breach of this agreement, or from any such acts arising through your use of the website.

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