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You will find that we take a different approach to life insurance rates on our site. First, unlike some of our major competitors, we are NOT owned or controlled by any life insurance company and so we are not trying to push our policies on you because we are not an insurance company.
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We do not have policies to sell, nor do we have any stake in which insurance company you select. Instead, we function as a free matching service for our visitors to help connect them with insurers that can offer competitive life insurance rates.
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As licensed life insurance agents it is our view that we are here to help you buy the right policy at the right price and offer our advice and experience to help you do that. We partner with some of the most respected life insurance companies in the industry to bring you the lowest possible life insurance rates. In addition, we enable you to do all of your comparison shopping conveniently on one website by providing you free quotes on life insurance rates. You see our quotes side-by-side to make comparison shopping quick and easy.
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Once You submit the form(s) to Mr. Orr, Brothers Worldwide Marketing Group, LLC or any of his licenced associates (hereinafter referred to as “US”, “OUR” or “WE”), we share your information with one or more participating insurers. By submitting the form(s), you understand and agree that you are submitting an inquiry about an insurance product to US and each of the participating insurers to whom WE transmit your insurance request.
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By submitting the form(s), you are extending an express request to US and each of OUR participating insurers with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.
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Participating insurers who receive your information from termlifequote.TV review your information in real-time to determine whether your information meets the insurer’s insurance qualification criteria. Participating insurers may, among other things, verify your social security number, perform a credit check, and review your information against national databases that tracks consumer transactions with lending institutions. By submitting the form, you agree to allow participating insurers to review, verify, and research your information in such manner.
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If a participating insurer determines that your application meets its insurance qualification criteria, WE will redirect your browser to the insurer’s web site. You understand and agree that, once you have been redirected to the insurer’s web site, WE have may no further involvement. WE have no involvement in the insurance application or approval process. Your subsequent interactions with the insurer are subject to privacy policy, terms of use, and other policies and/or terms enforced by that insurer.
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WE are not a insurer and do not make insurance or credit decisions in connection with its insurance matching service nor do WE guarantee acceptance into any particular insurance program or specific insurance terms or conditions with any participating insurer. WE do not guarantee that the price, product, availability, rates, fees, or any other insurance terms offered and made available by participating insurers through the insurance matching service are the best terms available in the market.
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WE do not endorse or recommend the products of any particular insurer. It is not an agent of you or any participating insurer. WE are not involved with the insurer’s use and/or review of your application information or in making a determination about whether you meet a particular insurer’s insurance qualification criteria.
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The insurer is solely responsible for its services to you, and you agree that WE shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the insurance matching service. You understand that participating insurers may keep your application information, whether or not you are qualified for a insurance with them.
Other Important Information
Mr. Orr and related agencies and individuals are licensed as INDEPENDENT life insurance agents. As insurance agents we are the representatives of the insurance companies quoted on this site. Our services are provided at no cost to you. When you purchase insurance through us, we receive compensation from the insurance company that issues the policy. This compensation may include commissions when a policy is purchased or renewed, and fees for marketing and administrative services and educational opportunities. The compensation may vary by insurer and the specific product and features purchased. We may be entitled to receive bonuses and incentive trips or prizes associated with sales or sales performance. The products we offer may vary based on factors such as face amount, customer age, health status and other considerations.
Mr. Orr, Brothers Worldwide Marketing Group, LLC and all other related agencies and licenced individuals make no representation as to the financial or other suitability of any product described on this site for any user. In order to evaluate whether a particular product is suitable for your financial needs, you should contact your financial advisor.
Our recommendation(s) of insurance coverage may not necessarily be the lowest rate alternative(s) available or the best alternative(s) for your individual needs. In identifying and recommending insurance products to you, we consider a variety of factors in addition to the premium rates and your personal information; including the insurer’s financial strength, the insurer’s reputation for service and claims settlement, the features of the policy, and fees received by Laws and Regulations.
Insurance Rate Information
The information used in all insurance rate quotes have been taken from the rate cards and rate manuals which life companies routinely publish and distribute to life agents and brokers. To the best of Mr. Orr’s ability, he has done everything he can to ensure that the insurance rate information contained in any insurance rate quotes is up-to-date and accurate. However, accuracy cannot be guaranteed.
All quotes are for illustration purposes. Actual premiums and coverage will be based on age, gender, health history, certain underwriting criteria, state of residence, and tobacco usage. Not all policies or companies are available in all states. Federal copyright law prohibits commercial use by other agents, brokers and parties marketing insurance products or information.
In the event that there is a discrepancy between the information contained in the insurance rate quotes, and any insurance company-authorized illustration and/or policy, the policy shall govern.
Access to and use of this Site are subject to all applicable federal, state and local laws and regulations.
Copyright and Trademarks
All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the “Marks”) displayed on this Site are the property of Brothers Worldwide Marketing Group, LLC. Users are prohibited from using any Mark for any purpose without the express written permission of Brothers Worldwide.
Informational Purposes Only
The product material described on this Site is provided for informational purposes only. This material is intended solely to provide a general overview of the types of products and range of services available from Mark J. Orr and associated licensed individuals and insurance agencies. The information included on this Site is not an offer to sell any security or product in any state or other jurisdiction.
Products Not Available in All States
The products described on this Site may not be available in all states or other jurisdictions.
Policy Restrictions, Limitations and Terms
The products referenced on this Site have restrictions, limitations, and terms regarding coverage. For complete details concerning coverage and product availability in your state, call Mr. Orr at 770-777-8309.
No Warranty
All information on this Site is provided to you “as is” without any warranty of any kind, either express or implied, as to the accuracy or completeness of the information, text, graphics or other items contained on this Site. Mark J. Orr expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Information on this Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. Mr. Orr has no obligation to update information on this Site, so such information may be out of date at any given time. Mr. Orr also may make improvements or changes in products described on this Site at any time without notice.
Linked Internet Sites
You may leave this Site and access other sites on the World Wide Web that Mr. Orr does not maintain and he is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites. Access to any such other site linked to this Site is at the User’s own risk.
Use of Cookie Files
Some sites and pages within our Sites use “cookies.” A cookie is a small file that is stored on your hard drive and contains no personally identifiable information about you and your usage of our sites. A cookie cannot read data off your hard drive or read cookie files created from other sites. You are free to decline our cookie if your browser has been set to prompt or decline cookies.
Limitation of Liability
Mark J. Orr and all related associates specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if Mr. Orr or any related agency has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User’s computer equipment. Under no circumstance will Mr. Orr, Brothers Worldwide or any related agency or individual be liable for any loss or damage caused by a User’s reliance on information obtained through this Site. It is the responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.
No Representation as to Suitability
Mr. Orr and all associated parties, make no representation as to the financial or other suitability of any product described on this Site for any User. In order to evaluate whether a particular product is suitable for your financial needs, you should contact a competent financial advisor.
Changes to Rules and Regulations
Mr. Orr reserves the right to revise these Terms and Conditions at any time and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions.
Violations of Rules and Regulations
Mr. Orr and all those associated with this webiste asn providing insurance services, reserve the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.
Mandatory, Binding Arbitration
You agree that any claim or dispute between you and Mr. Orr or any officer, director or employee of Brothers Worldwide marketing Group, LLC and any agency or associated individual related to your use of this Site or any information herein, including the validity of this provision regarding Mandatory, Binding Arbitration, regardless of the amount or value of such claim or dispute, will be resolved by mandatory, binding arbitration administered by the National Arbitration Forum in accordance with its Code of Procedure then in effect, except that any arbitration will be conducted in, and any hearing will be held in, ATLANTA, GA. Information may be obtained and claims may be filed at any office of the National Arbitration Forum (www.arb-forum.com) or at P.O. Box 50191, Minneapolis, MN 55405. This provision regarding Mandatory, Binding Arbitration will be governed by the Federal Arbitration Act.