By accessing the
TermInsuranceNewYork.com web site, you agree to abide by these terms of
use. If you do not agree with these terms, please do not access any
other parts of the web site.
1. By submitting a request
for a quote, you understand and agree that TermInsuranceNewYork.com free
term life price comparison service (the "Quote Service") assumes the
accuracy and completeness of the information you supply, that the Quote
Service provides only an estimate of the premium you might pay for term
life insurance and that the actual price of any policy you may be
offered at the conclusion of your application and underwriting process
may be higher or lower than the price quoted by the Quote Service. See
"About Our Quotes."
You understand that
TermInsuranceNewYork.com does not guarantee that you will be offered a
policy at the conclusion of your application process.
2. By submitting a request
for a quote, you represent that you are not doing so, directly or
indirectly, for the purpose of or in connection with any attempt to
solicit, sell or obtain insurance to, for or on behalf of a third party
(other than as a means of referring such third party to our services).
You agree to promptly (within 15 days) pay TermInsuranceNewYork.com -$50
for each quote that you obtain from our Quote Service in violation of
this representation. You also agree to indemnify
TermInsuranceNewYork.com for any liability and/or damages that
TermInsuranceNewYork.com suffers as a result of your unauthorized use of
the Quote Service or our web site.
3. The web site and content
is protected by one or more copyrights, patents, database rights,
trademarks, service marks and/or other intellectual property or
proprietary rights that are owned by TermInsuranceNewYork.com and/or
third parties. TermInsuranceNewYork.com, and other names and indicia of
TermInsuranceNewYork.com and its products and/or services are exclusive
trademarks and service marks or registered trademarks of
TermInsuranceNewYork.com Other service, product and company names
appearing on the site may be trademarks or service marks of their
respective owners. You may not remove any copyright, trademark or other
proprietary notice or legend contained on (or printed from) the web
site. We may revise the web site at any time, without notice.
4. You may not publish,
broadcast, retransmit, reproduce, commercially exploit, create any
derivative of or otherwise disseminate all or any portion of the web
site without the express prior written permission of
TermInsuranceNewYork.com and any applicable third party. You may not
decompose, decompile, reverse engineer, disassemble or otherwise
deconstruct all or any portion of the web site, nor will you frame our
web site or use any robot, spider, or other device, software or process,
whether manual or automatic, to monitor or copy our web pages or the
content contained herein. You may reproduce quotes and information on
this web site only for your own personal, non-commercial use.
5. You agree that any
controversy or legal claim arising out of or relating to these Terms of
Use or our services, excluding action we may take to collect fees
pursuant to Paragraph #2 and/or recover damages or obtain an injunction
relating to our web site's operations, intellectual property and our
services pursuant to Paragraphs #3 and #4, shall be settled by binding
arbitration in accordance with the commercial arbitration rules of the
American Arbitration Association. Any such controversy or claim shall be
arbitrated on an individual basis, and shall not be consolidated in any
arbitration with any claim or controversy of any other party, unless we,
in our sole discretion, consent thereto. The arbitration shall be
conducted in Towson, Maryland and judgment on the arbitration award may
be entered in any court having jurisdiction thereof. Should either you
or TermInsuranceNewYork.com file an action contrary to this provision,
the other party may recover attorney’s fees and costs up to $10,000.
About Our Quotes
TermInsuranceNewYork.com
operates a free term life price comparison service (the "Quote
Service"). Using the information you provide, the Quote Service compares
the rates from over 30 U.S. life insurance companies who offer some of
the most competitive rates. The Quote Service produces an individualized
price comparison report that summarizes: (1) the names of the insurers
offering the lowest prices, (2) the rate class for which you may qualify
based on the information you have entered, (3) the modal premium, (4)
the length of any level premium rate guarantee, and (5) the financial
strength ratings of the insurers as rated by A.M. Best.
The actual price of any
policy you may be offered at the conclusion of your application and
underwriting process may be higher or lower than the price quoted by the
Quote Service. This variance may be due to additional information that
the insurer discovers in the course of underwriting your application, a
change in your age, or a change in the insurer's rates. If you are
offered a policy with a higher rate than you expected, we will "shop
your coverage" to other life insurers (with your permission) to see if
another carrier will provide a better offer. (See "What if I receive a
higher rate than I applied for on my life insurance policy?")
We continually monitor the
market for term life insurance in the United States to ensure that the
Quote Service is comparing rates from those carriers who generally offer
the lowest prices. However, there are over 1000 companies licensed to
sell life insurance in one or more U.S. jurisdictions. Since the Quote
Service only includes the rates from 30-35 life insurers who we believe
offer the best combination of competitive rates, financial strength and
customer service, the Quote Service does not compare the prices from
every life insurer licensed in your jurisdiction. In addition, although
we believe that the life insurers included in the Quote Service
generally offer the lowest prices for most rate classes, we maintain
customer service standards pursuant to which we occasionally exclude
otherwise highly-rated insurers who offer competitive rates from the
Quote Service because they have failed to maintain certain basic
standards for servicing our customers. Finally, although we believe that
the quotes provided by the Quote Service are accurate, we cannot
guarantee the accuracy of every quote due to the possibility of human or
computer error.
TermInsuranceNewYork.com does
not guarantee that you will be offered a life insurance policy at the
conclusion of your application process. TermInsuranceNewYork.com is not
an insurance company but rather acts as an agency for over 30 insurance
companies. Will Jerro, is the agent of record for all applications
submitted through the TermInsuranceNewYork.com service.
TermInsuranceNewYork.com does not endorse any specific insurer.