Legal restrictions & terms of use

Not all insurance products described in this web site 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 foreign citizen physically located and/or living in the United States while viewing this web site, there may be certain additional restrictions, conditions and eligibility requirements that apply. Please contact us for details.

The information contained in this web site 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 use of the materials and information on this web site are provided on an "as is" and "as available" basis without express or implied warranties of any kind. To the fullest extent permissible under applicable law, we disclaim all warranties, express 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 web site 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 web site in terms of their correctness, accuracy, reliability, or otherwise. You (not us) 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 its related, affiliated and subsidiary companies, cannot and does not guarantee the completeness or accuracy of any information obtained from this web site 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 its 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.

Our office hours are generally from 8 AM to 9 PM Central Time, Monday through Friday and from 8 AM to 5 PM Central, Time, Saturday and Sunday. However, we make no guarantee that we will always be available during those hours. In case our office is not open during those hours (e.g., because of some unforeseen emergency), we will not be responsible for any consequences arising out of it.

In the event that there is a discrepancy between the information contained on this web site, 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 web site 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 site(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 site and any and all of our other site(s) and all copies thereof, whether made under the terms of this agreement or otherwise.

Copyrights and trademarks

This site is owned and operated by Jagruti Khatri. No material from this site may be copied, reproduced, downloaded, uploaded, displayed, sold, published, republished, posted, transmitted, distributed, incorporated into another work or otherwise exploited in any way without our prior written consent. 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 us and its affiliates.

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

Google Translation
Translation of pages on the our 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 trnslations 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 his or her own risk. When a translation is complete, 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 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")
Some insurance products available on this web site are not subject to, and do not provide certain of the 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 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 web site or our products or services shall be governed by and construed in accordance with local laws where the headquarters of the owner of this web site is located, without regard to its conflict of law provisions. By registering or using this web site 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 web site 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.