Disclaimer and Disclosure References

eFinancial (“we”, “our”, “us”) has provided a list of our general disclaimer references and their associated sources or explanations for you. We have also included any statements or information pertaining to our business that may or may not be included in our eFinancial.com Privacy statement, Website Terms of Use statement or other legal marketing documentation.

Life Insurance Rate Quote Chart Comparisons

Life insurance rate quotes referenced in our materials are based on a composite of participating carriers’ best-published monthly premium rates for 10-year, term life policies with face amounts of $250,000 and $500,000 as of 1/8/2020. Unless noted otherwise, the comparison rates are made for a male, preferred plus, non-tobacco user, and a female, preferred plus, non-tobacco user – at the respective ages noted in the rate quote chart (available upon request). Rates and products available may vary by state. All policies are subject to underwriting approval. Also, the rates and time taken to purchase a policy vary by product. Quotes are provided for information purposes only and do not constitute an offer of insurance.

$250,000 of Term Life Insurance for as Low as $15 per Month – General

Quoted life insurance rates are based on a composite of participating carriers’ best-published monthly premium rates for 10-year, term life policies for a face amount of $250,000 as of 1/8/2020.

Save up to 70% on Term Life Insurance Comparison

Savings comparison references in our materials are based on a composite of participating carriers’ best-published monthly premium rates as of 1/8/2020 for a specific consumer profile of 10-year, term life policies for a 30-year old, non-smoker female and a face amount of $250,000.

Some Life Insurance Policy Approvals within 24 to 48 Hours

Based on timing of underwriting (if needed) and applicant approvals, some life insurance companies can offer completed, inforce life insurance policies within 24 to 48 hours. On average though, many companies may take from two to eight weeks to deliver an inforce life insurance policy.

No Medical Exam Options

If we reference life insurance policies that may not require a medical exam, the statement is based upon select policies offered and specific policyholder profile data.

Top-Rated Insurance Companies

If we refer to some top-rated insurance companies or carriers, we are noting participating carriers featured in A.M. Best’s listing of insurance carriers with at least an “A-” rating.

Free Look Period/Review (30-Day, Money-Back Guarantee)

As a consumer, you should know that throughout the U.S., “free look” laws offer the policy owner a contract-designated period of time during which he or she is able to conduct a more in-depth review of his or her life insurance policy. During this time, you can ask your agent important questions that you may not have originally considered, get more clarity about the details of the terms and conditions – and better ensure it meets your needs. (Please understand that free look laws were designed for your protection. They may vary by state, policy types or review time periods.)

Should you choose to cancel or terminate the policy during the contract designated number of days, you will need to contact us or the appropriate insurance company – and then return the policy packet to receive a full refund for any payments that you’ve already made.

Tax-Related or Financial Planning References

Any article or other content references to tax-related or financial planning referenced information is provided for general education and discussion purposes. It should not be viewed as legal, tax, or investment advice. You should consult with your attorney, financial institution, accountant or investment advisor relative to your specific financial or legal circumstances.

Unsubscribe or Opt-Out Requests

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In addition, if you have been in contact with any third parties that you’ve found through our website, the opt-out or unsubscribe from our website would not apply to them as they have a separate contact database. You would have to opt-out directly from their websites if you do not want to receive marketing materials, emails or information from them in the future as well.

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Last updated: August 2020