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Legal
Notice and Disclaimer |
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The
materials and information in this site are provided
"as is" and without warranties of any kind either
expressed or implied. LiveLife, Inc. and its related
affiliated and subsidiary companies (Doctor Disability),
disclaims all warranties, expressed 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 advice or opinions on specific
facts or matters, and accordingly assume no liability
whatsoever in connection with its use. Consult
your own legal or tax advisor with respect to
your personal situation.
In no event shall LiveLife, Inc., Charles I Krugh,
personally and its related, affiliated and subsidiary
companies, be liable for any direct, indirect,
special, incidental, or consequential damages
rising out of the use of the information herein.
LiveLife, Inc. does not guarantee that you will
be offered a disability or life insurance policy
at the conclusion of your application process.
LiveLife, Inc. is not an insurance company but
rather acts as an agency for over 20 insurance
companies. Charles I Krugh, LiveLife's President
is the agent of record for all applications submitted
through the LiveLife, service. LiveLife does not
endorse any specific insurer.
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Copyright
Notes |
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Unless
otherwise noted, the graphic images, buttons,
layout, and text contained in this web site are
the exclusive property of LiveLife, Inc. and/or
its affiliates, or the insurance companies represented,
and may not be copied or distributed, in whole
or in part, without the express written consent
of LiveLife, Inc. Permission is granted to print
copies of this document, and to display and use
this document with a computer solely for personal
or internal use.
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Hyperlinks
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LiveLife,
Inc. cannot guarantee that the hyperlinks contained
in this site will be accurate at the time of your
access. Moreover, the sites pointed at by hyperlinks
are developed and possibly maintained by person(s)
over whom LiveLife, Inc. has no control. LiveLife,
Inc. cannot and does not monitor the sites linked
to our pages on the Internet. Accordingly, LiveLife,
Inc. assumes no responsibility for the content
of any site referenced to by any hyperlink or
otherwise. LiveLife, Inc. believes that making
hyperlinks to publicly accessible web pages and
newsgroups is legally permissible and consistent
with the common, customary expectations of those
who make use of the Internet.
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Data
Protection |
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LiveLife,
Inc. is not obligated to monitor any transmission
made through the respective web pages and newsgroups.
However, LiveLife, Inc. has the right, but not
the obligation, to monitor any transmission made
to and from this web site. LiveLife, Inc. may
use or disclose information gathered from the
site.
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Intended
Audience |
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This
site is published for some, but not all of the
residents of the United States of America. LiveLife,
Inc. and/or Charles I Krugh are licensed to do
business in all states and the District of Columbia
except HI and AK.
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Contact
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You
agree and understand that we may contact you via
phone or email to follow up regarding your request
for disability or life insurance in order to verify
information for the purpose of giving you the
most accurate quote possible.
When you fill out our quote request form you are
explicitly initiating a relationship with us (as
defined by the National Do Not Call Registry),
inviting and consenting to the receipt of information
by LiveLife and its affiliate partners (which
may be provided to you online, by fax, phone,
email, US Mail, etc.) and, as such, are indefinitely
waiving any right to claim that we or our affiliates
contacted you without your express consent. At
any time we will immediately honor any request
to be placed on our internal "do not contact"
list.
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Personal
Information |
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Under
Title V of the Gramm-Leach-Bliley Act, consumers
have the right to limit the dissemination of nonpublic
personal information. LiveLife maintains a strict
policy against the dissemination of nonpublic
personal information which may be found in the
files of its clients and applicants. All LiveLife
employees are trained and aware of the confidentiality
of such information. Such nonpublic personal information
is routinely provided by consumers to life insurance
companies and related individuals including, but
not limited to, their agents, wholesalers, and
reinsures, all of whom need this information in
order to evaluate their inquiries, provide accurate
price quotations, and underwrite their applications
for coverage. As such, in order to provide the
high level of service our clients have come to
expect, it is understood that by filling out and
submitting a quote request form, or application
request form, consumers are granting LiveLife
the permission to evaluate this information, and
in it's sole judgment, to share it with insurance
companies, their reinsures, wholesalers, and other
related parties (including the applicant) as necessary
for the purpose of shopping for, evaluating, making
recommendations regarding, and/or underwriting
any proposed or existing life insurance coverage.
Such nonpublic personal information is not used
for any other purpose.
The underwriting (risk assessment) will not begin
until after the completed, hard-copy, signed application
is received by the insurance company.
In conjunction with any formal application for
insurance, except as may be provided in a properly-executed
Conditional Receipt, no coverage is in force until
the insured has received the issued policy, paid
the premium and completed any other policy delivery
requirements that might be required by the insurance
company. If there is any question, concern or
ambiguity regarding this issue, please refer to
the language on the insurance company's application
form.
LiveLife herein advises all proposed insureds
NOT to cancel any existing coverage UNTIL they
have received their new policy from the issuing
company and found it to be satisfactory. Even
if you are applying for coverage to replace an
existing policy, NEVER cancel the existing coverage
until the new policy is approved, in force, delivered
and paid for.
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Product
Restrictions |
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Products
are subject to underwriting requirements. Suicide
limitations apply. Products are not available
in all states.
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Licenses
and Insurance Policy Availability |
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Not
all policies or companies are available in all
states. Agent(s) licensed to sell policies in
all states and the District of Columbia except
HI. Agent license numbers listed below
as required by state law in California, Louisiana
and Utah:
California residents: Charles I Krugh -
license number #0B12796
Louisiana residents: Charles I Krugh - license
number #300396
Utah residents: Charles I Krugh - license
number #198518
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| Copyright
© 2006, Doctor Disability. All Rights Reserved. |
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