The Terms of Use is an Agreement between you and MedicareTalk.Com and, if applicable, between you and Brian Sundquist. By using this website, associated sites, hardware, software, or services through this website you agree to these Terms of Use in full. You also agree to provide true, accurate, current, and complete information if requested by this website. If you do not agree with these Terms of Use in full, including the terms expressed in our Privacy Policy then you are not authorized to use any service of this website, and should not provide any information through this website.

Your use of this site after such changes are implemented constitutes your acknowledgment and acceptance of the changes. Before each use, please consult these Terms and Conditions of Use carefully. This website is provided by MedicareTalk.Com (hereafter referred to collectively as “MedicareTalk.Com”). These Terms and Conditions apply exclusively to your access to, and use of, this website and does not alter in any way the terms or conditions of any other agreement you may have with MedicareTalk.Com.

DISCLAIMER STATEMENT

MedicareTalk.Com and its affiliates make the information in this web site available as a service to its customers and other visitors, to be used for informational purposes only.

Decisions based on information contained on this site are the sole responsibility of the user, and in exchange for using this site, you agree to hold MedicareTalk.Com and its affiliates harmless against any claims for damages arising from any decision you make based on such information.

MedicareTalk.Com reserves the right to withdraw or prohibit access to the site, and to revise the software, materials, information and the services and products described in this site, at any time without notifying users.

The information presented on MedicareTalk.Com is not an offer to sell insurance or any other investment listed in any material on this site. The material contained in this website is for informational purposes only and is only intended to provide a general description. Insurance coverage cannot be bound or changed via submission of any online form/application, e-mail, voicemail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a MedicareTalk.Com licensed agent.

All coverages are subject to the terms, conditions, and exclusions of the actual policy issued. Not every policy or coverage is available in every state.

We believe the information provided on this web site to be accurate, and we make every effort to minimize errors. However, since both humans and computers are subject to mistakes, and since information and rates can change quickly, we cannot absolutely guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please inform us.

Please contact our office during normal business hours or send an email to info@MedicareTalk.Com to discuss specific coverage details and your insurance needs.

All content is for informational purposes only and is not an offer to sell insurance or investments. Statements on this website as to any investments, policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent or financial advisor as to how these coverages pertain to their individual situation.

MedicareTalk.Com does not assume any responsibility for any information received or extracted from any links. You agree that if you are located in a jurisdiction where free investment, insurance advice, or insurance quotes are limited or regulated by law, you will limit or refrain from use of such advice or quotes as required by law, you will comply with such law.

Rates which may be provided on-line or via e-mail, mail, or fax are estimates and are generally reflective of the prices for the best rate classes available for various life insurance products as of the date that any rate comparisons are prepared by us. Rates provided in this manner are not firm quotes or offers, but rather estimates which are based on information provided to us by you and by the various insurance companies. Rates and availability are subject to underwriting approval by the insurance company selected, and the criteria to qualify vary widely among insurance companies. Any and all required illustrations, applications, supplemental forms, and other documents necessary to evaluate and/or apply for life insurance coverage will be provided as soon in the process as they become necessary. Policy forms vary by state. Unisex rates, with most carriers, are the same as male rates, apply in Montana.

This web site has been painstakingly designed with the intention of providing as much information as possible, to consumers who seek to educate themselves and make informed decisions about their life insurance and similar investments. However, since each individual’s situation is different, none of the information provided herein should be construed as legal, tax, financial planning, or other professional advice. Only after a thorough review of your individual needs and circumstances can specific professional advice ever be appropriately provided. The information in the website is provided “as is” and without warranties of any kind either expressed or implied. MedicareTalk.Com hereby disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

The information contained in this website is published in the United States, but not for all the residents of the United States of America. The content herein should be deemed to be published by MedicareTalk.Com and not any other party, including any particular insurance company(s). In no event shall MedicareTalk.Com be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

Our web quoting engine provides you, the consumer, with the opportunity to see the prices for various different rate classifications, based on YOUR selection of a rate class on our quote request page. Your decision to view the prices from multiple insurance companies based on a rate class that you selected is, in no way, indicative of whether or not you may qualify for that particular rate class. Automated quoting is a very inaccurate process. This is why we also ask you to provide significant additional information, beyond that which is necessary for a simple perusal of rates via the web, so that we can spend the time necessary to create a CUSTOM quote for you. This custom quote is ordinarily provided to you via telephone, often after a telephone conversation with a licensed agent.

Nothing else contained on this site should be used or construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security. Nor is it intended as investment, tax, financial or legal advice. Investors should seek such professional advice for their particular situation.

This site is published in the United States for residents of the United States. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Nothing on this site should be considered a solicitation to buy or an offer to sell shares of any investment in any jurisdiction where the offer or solicitation would be unlawful under the securities laws of such jurisdiction. U.S. investors are advised that not all investments described on this site are available for sale in all states.

Performance information presented on this web site is historical, and is not indicative of future results. Investment returns and principal may vary, and at the time of sale, your investment may be worth more or less than its original cost. It is possible to lose money by investing in these funds. These investments are not deposits or obligations of or guaranteed or endorsed by, any bank, and are not federally insured or guaranteed by the U.S. government, the FDIC, the Federal Reserve Board or any other agency. Exchange-Traded funds frequently trade at a discount to their net asset value.

Municipal investments offer income free from federal income tax. Distributions may be subject to state and local taxes and to the alternative minimum tax. Capital gains will be subject to capital gains taxes.

Some featured products invest in international securities, which can involve different risks than U.S. investments. These risks include political or economic instability, difficulty in predicting international trade patterns, lack of publicly available information about foreign companies, changes in foreign currency exchange rates and the possibility of adverse changes in investment or exchange control regulations.

Some of the investments and services on this site may not be available in or appropriate for a retirement savings plan. Please contact your financial advisor about any investment restrictions associated with your particular plan.

You should contact a fund sponsor with specific questions about that sponsor’s funds.

You agree to indemnify and hold MedicareTalk.Com and its employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against MedicareTalk.Com arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this Website.

These Terms and Conditions shall be governed by and construed in accordance with the law of USA and you hereby submit to the exclusive jurisdiction of the USA courts.