If you do not agree with these terms, please do not access any other parts of the
1. By submitting a request for a quote, you understand and agree that ReliaQuote's
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 ReliaQuote does not guarantee that you will be offered a policy
at the conclusion of your application process. By submitting a life insurance quote request,
you consent to receive phone calls from a licensed insurance agent regarding life insurance,
at the phone number(s) you provide, including your wireless number if provided. You understand
these calls may be generated using an automated technology.
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 ReliaQuote Insurance Services, LLC $50 for each quote that you obtain from our
Quote Service in violation of this representation. You also agree to indemnify ReliaQuote Insurance Services, LLC for any liability and/or damages that ReliaQuote Insurance Services, LLC 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 ReliaQuote Insurance Services, LLC and/or third parties. ReliaQuote, www.reliaquote.com
and other names and indicia of ReliaQuote Insurance Services, LLC and its products and/or services
are exclusive trademarks and service marks or registered trademarks of ReliaQuote Insurance Services, LLC 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 ReliaQuote Insurance Services, LLC 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,
5. You agree that any controversy or legal claim arising out of or relating to these
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 McLean,
Virginia and judgment on the arbitration award may be entered in any court having
jurisdiction thereof. Should either you or ReliaQuote Insurance Services, LLC file an action contrary
to this provision, the other party may recover attorneys fees and costs up to $10,000.
About Our Quotes
ReliaQuote Insurance Services, LLC 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.
ReliaQuote does not guarantee that you will be offered a life insurance policy at
the conclusion of your application process. ReliaQuote is not an insurance company
but rather acts as an agency for over 30 insurance companies. Will Jerro, ReliaQuote's
President is the agent of record for all applications submitted through the ReliaQuote
service. ReliaQuote does not endorse any specific insurer.
ReliaQuote Insurance Services, LLC and/or its Chief Executive Officer Will Jerro act as and are licensed
life insurance agents in all states (except Hawaii) and the District of Columbia.
In California ReliaQuote transacts business as "ReliaQuote Insurance Services."
ReliaQuote's California license number is #0C73899 and Will Jerro's license number
is #0C16621. Louisiana license #1744264 (ReliaQuote) and #242004 (Will Jerro). MA
license #1584597 (William Jerro). ReliaQuote's and William Jerro's office is located
at 1312 Vincent Place, McLean, VA 22101
ReliaQuote Insurance Services, LLC All rights reserved. ReliaQuote is a service mark of ReliaQuote Insurance Services, LLC. All other marks and names on this Web site are the property of their respective