|Legal Notice and
St. Louis Health Quotes.com is a collective
reference of the entities David J. Nicholson individual, St. Louis Health
Quotes.com. The materials and information in this site are provided "as is" and
without warranties of any kind either expressed or implied.
Health Quotes.com and its related, affiliated and subsidiary companies disclaim
all warranties, express or implied, including, but not limited to, implied
warranties of merchantability and fitness for a particular purpose.
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 advise or opinions on specific facts or matters, and accordingly
assume no liability whatsoever in connection with it's use. Consult your own
legal or tax advisor with respect to your personal situation.
event shall St. Louis Health Quotes.com, its related, affiliated or subsidiary
companies, be liable for any direct, indirect, special, incidental or
consequential damages arising out of the use of the information herein.
is published for some, but not all the residents of the United States. This
site is not intended for use outside of the United States. Each insurance
company represented by St. Louis Health Quotes.com is intended for residents of
states in which that insurance company is licensed and no applications will be
sought or accepted on behalf of any insurance company from a resident of a
state in which that company is not licensed.
Policies not available
in all states. Suicide, misstatements and misrepresentation restrictions will
apply. All applications for insurance are subject to underwriting qualification
by the specific insurance company to which the application is submitted.
Availability of premium rates and policy forms may be changed by each insurer
without prior notice. There is no guarantee that an offer for life and
disability insurance will be made at the conclusion of the application process.
St. Louis Health Quotes.com is not an insurance company but acts as an agent
representing numerous insurance companies. St. Louis Health Quotes.com does not
endorse any specific carrier.
About How We Are Compensated
To ensure that you, our valued
customer, have all the information you need before you purchase an insurance
plan from us, we are providing you with the following information about the
cost of our services and how we are compensated.
Our services are
provided at no extra cost to you. This means that you will not have to pay any
fee to us to get information, receive a quote or apply for a policy through our
We are paid by the carrier we represent. If you apply for an
insurance plan through our agency and are approved, you'll pay the premium to
your chosen carrier, and you'll pay nothing to us. Our compensation comes from
the carriers in the form of commissions, bonuses, and occasional incentives,
such as travel. These compensation arrangements are standard in the insurance
We are paid a commission by the carriers for each customer
that applies for a plan through our company and obtains coverage. Our
commission is usually a percentage of the premium paid by the customer to the
carrier. Some of the carriers we represent also award trips or other prizes to
our company based on the number of customers who purchase their insurance plans
We never recommend plans based on the compensation we
receive from a carrier and we do not allow insurance companies to pay fees to
improve their placement on our comparative quote engine whether you access our
plans through our website or by calling us directly.
St. Louis Health
Quotes.com hope that you find this information helpful in your review process.
Don't hesitate to contact us with any questions or concerns.