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Legal Notice and Disclaimer

St. Louis Health is a collective reference of the entities David J. Nicholson individual, St. Louis Health The materials and information in this site are provided "as is" and without warranties of any kind either expressed or implied.

St. Louis Health 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.

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 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.

In no event shall St. Louis Health, 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.

Intended Audience

This site 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 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.

Product Restrictions:

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 is not an insurance company but acts as an agent representing numerous insurance companies. St. Louis Health does not endorse any specific carrier.

Important Notice 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 agency.

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 industry.

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 through us.

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 hope that you find this information helpful in your review process. Don't hesitate to contact us with any questions or concerns.

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