Company Disclaimer

THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED.

Chris D. Callen, Insurance Agent and its related, affiliated and subsidiary companies disclaim all warranties, express 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 Chris D. Callen, Insurance Agent and its related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein

Copyright Notices

Unless otherwise noted, the graphic images, buttons, layout, and text contained in this Web site are the exclusive property of Chris D. Callen, Insurance Agent and its related, affiliated and subsidiary companies, and may not be copied or distributed, in whole or in part, without the express written consent of Chris D. Callen, Insurance Agent. 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. Insurance company logos are the exclusive property of the respective insurance companies, and are used with permission

Data Protection

Chris D. Callen, Insurance Agent is not obligated to monitor any transmission made through the respective Web pages and newsgroups. However, Chris D. Callen, Insurance Agent has the right, but not the obligation, to monitor any transmission made to and for this Web site. Chris D. Callen, Insurance Agent may use or disclose information gathered from the site.

Intended Audience

This site is published for some, but not all the residents of the United States of America. This site is not intended for use by residents of any countries other than the United States of America. Information concerning the identity, history, and products of each insurance company represented by Chris D. Callen, Insurance Agent is intended for residents of states in which that insurance company is licensed. No applications will be sought or accepted on behalf of any insurance company from a resident of a state in which that company is not licensed.

Product Restrictions

Policies not available in all states. Suicide, misstatement, and misrepresentation restrictions may apply. All applications for insurance are subject to underwriting qualification by the specific insurance company to which the application is submitted. Availability of premium rates and policy forms may be changed by each insurer without prior notice.

Important Notice About How We Are Compensated

To ensure that you, our valued customer, have all the information you need before you purchase an insurance plan from us, we are providing you with the following information about the cost of our services and how we are compensated.

Our services are provided at no extra cost to you. This means that you will not have to pay any fee to us to get information, receive a quote or apply for a policy through our agency.

We are paid by the carrier we represent. If you apply for an insurance plan through our agency and are approved, you’ll pay the premium to your chosen carrier, and you'll pay nothing to us. Our compensation comes from the carriers in the form of commissions, bonuses, and occasional incentives, such as travel. These compensation arrangements are standard in the insurance industry.

We are paid a commission by the carriers for each customer that applies for a plan through our company and obtains coverage. Our commission is usually a percentage of the premium paid by the customer to the carrier. Some of the carriers we represent also award trips or other prizes to our company based on the number of customers who purchase their insurance plans through us. We never recommend plans based on the compensation we receive from a carrier and we do not allow insurance companies to pay fees to improve their placement on our comparative quote engine whether you access our plans through our website or by calling us directly.

Circular 230 Disclaimer

In conformity with U.S. Treasury Department Circular 230 the documents contained in this web site and any tax advice contained herein is not intended to be used, and cannot be used, for the purpose of avoiding penalties that may be imposed under the Internal Revenue Code, nor may any such tax advice be used to promote, market or recommend to any person any transaction or matter that is the subject of these documents.  The intended recipients of these documents are not subject to any limitation on the disclosure of the tax treatment or tax structure of any transaction or matter that is the subject of these documents.