TERMS & CONDITIONS

Before continuing, please read the following:

This form is as a point-of-contact which provides you with an opportunity to generally inform us of your needs and additionally complete the process by exchanging an additional email or phone call in order to receive the details required to provide you with an accurate quote for insurance.

WHY: Insurance is a complex product which provides a contract in exchange for a paid policy premium. Depending on the type of insurance being provided, quoting and underwriting requires specific and personal information to varying degrees. For example, auto insurance requires contact and home address information but also the vehicles make, model, the manufacturer's Vehicle Identification Number, all household drivers and their birth-dates and social security numbers. Other types of insurance such as home, business, liability, life, etc., require their own sub-sets of informational requirements in order to provide an accurate premium quote.

The purpose of the additional and detailed information allows us to shop your insurance with our complete lineup of insurance companies and provide an accurate and professionally prepared quote and policy proposal which we and the insurance company can be confident is as accurate as possible. In most all instances we can not simply provide a price for a policy without obtaining the remaining detailed information.

All insurance companies require such complete details in order to provide the policy contract and we do NOT engage in the practice of providing a cheaper quote only to have our clients find out the cost of their policy was rated up and actually costs more after they agreed to coverage. We want our quotes to actually match the final price and are fully committed to this standard of accuracy.