Legal Notice and Disclaimer:

Term101.com is a service mark of Brad Renzelman, Agent, licensed to sell life insurance products in all states and the District of Columbia, with the exception of Hawaii, or outside of the United States.

THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. Brad Renzelman, Term101.com Insurance Services, Sentryan Insurance Center, and their related affiliated and subsidiary companies, disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

This web site and its content are intended for use only by the residents of the District of Columbia, and all states of the United States except Hawaii.

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, tax, 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 with respect to your personal situation.

In no event shall Brad Renzelman, Term101.com Insurance Services, Sentryan Insurance Center, and their 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 assume that you are submitting accurate information on your own behalf, and are not responsible for information you have submitted for someone else with or without this party's consent.

Statement Regarding Quotes:

The information used in all insurance rate quotes have been taken from the rate cards and rate manuals which life companies routinely publish and distribute to life agents. To the best of our ability, we have done everything we can to ensure that the insurance rate information contained in any insurance rate quotes is up-to-date and accurate. However, we cannot guarantee accuracy.

All quotes are for illustration purposes only; actual premiums and coverage will be based on age, health history, certain underwriting criteria, location, sex and tobacco usage and are at the sole discretion of the insurance company responsible therefore. Not all policies or companies are available in all states. Federal copyright law prohibits commercial use by other agents, brokers and parties marketing insurance products or information.

In the event that there is a discrepancy between the information contained in the insurance rate quotes, and any insurance company-authorized illustration and/or policy, the policy shall govern.

We do not guarantee that you will be offered a life insurance policy at the conclusion of your application process.  We are not an insurance company but rather we act as agents for many different insurance companies.  We do not endorse any specific insurer.

Company Ratings:

All companies we quote are rated A++, A+, or A by the A.M. Best Company, an independent insurance industry analyst that bases its ratings on its analysis of financial strength.

Data Protection

We are not obligated to monitor any transmission made through the respective web pages and newsgroups. However, we have the right, but not the obligation, to monitor any transmission made to and for this web site. We may use or disclose information gathered from the site.

Product Restrictions:

Products are subject to insurance company underwriting guidelines and requirements. Suicide clauses and limitations may apply.

Links:

This website contains various links to other websites.  Please be aware that we are not responsible for the privacy practices of other such sites.  We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information.