Licensing, Legal & Advertising Disclaimer

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. Whenever possible, as a service to customers, inquiries for quotes in states in which we are not duly licensed and appointed are referred to affiliated broker agents licensed in that particular state.

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 USA Coverage 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.

The information used in all term life insurance rate quotes is provided by iPipeline. USA Coverage cannot guarantee accuracy of term life insurance quotes. All term life insurance quotes are for illustration purposes; actual premiums and coverage will be based on age, health history, certain underwriting criteria, location, sex and tobacco usage. Not all policies or companies are available in all states.

The term life insurance quoter produces an individualized price comparison report that shows the names of term life insurance companies based on the information you have entered, the premium, and length of any level premium rate guarantee. We cannot guarantee the accuracy of the information provided regarding life insurance. Life insurance rates provided are not firm quotes or offers, but rather estimates based on information provided by you and by the various life insurance companies. Each applicant must pass certain underwriting and medical exams to qualify for any given rate.

Advertising Disclaimer

Advertised Rates of $500,000 in coverage for $15/month or less for a healthy 35 year old.
Confirmed on 11/24/2009 based on female age 35, no tobacco usage, no health issues, preferred best health class, 10 year term, $500,000 in coverage issued by Genworth Financial.

Advertised Savings Up To 70%.
Confirmed on 11/24/2009 based on female age 30, no tobacco usage, no health issues, preferred best health class. Savings based on comparing Term products, ROP products, Universal Life products and Whole Life products.

Advertised Rates of As low as $6/month for a non-medically underwritten policy.
Confirmed 1/21/2010 based on female age 30, no tobacco usage, no health issues in the State of Kansas. 10 year - $50,000 in coverage RBC ExpressTERM II from Liberty Life Insurance Company. Monthly premium is $5.90.

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