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 our ability, we have done everything we can to ensure
that the insurance rate information contained in any insurance rate
quotes is up-to-date and accurate. However, he cannot guarantee
accuracy.
All quotes are for illustration purposes; actual premiums and coverage
will be based on age, health history, certain underwriting criteria,
location, sex 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.
Unless otherwise noted, the graphic images, buttons, layout, and
text contained in this web site are the exclusive property of Cheap-Term,
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 Cheap-Term.
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.
Cheap-Term 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 Cheap-Term
has no control. He cannot and does not monitor the sites linked
to our pages on the Internet. Accordingly, Cheap-Term
assumes no responsibility for the content of any site referenced
to by any hyperlink or otherwise. Cheap-Term
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.
Cheap-Term is not obligated
to monitor any transmission made through the respective web pages
and newsgroups. However, Cheap-Term
has the right, but not the obligation, to monitor any transmission
made to and for this web site. Cheap-Term
may use or disclose information gathered from the site.
This site is published for some, but not all of the residents of
the United States of America. Cheap-Term
has affiliates licensed to do business in all states including District
of Columbia.
Product subject to underwriting requirements. Suicide limitations
apply. Products not available in all states.
All companies quoted by Cheap-Term
are rated A-, A, A+ or A++ by the A. M. Best Company, an independent
insurance industry analyst that bases its analysis on financial
position and operating performance. Here's a detailed explanation
of A.
M. Best insurance ratings.
Not all policies or companies are available in all states.
James A. Koetting Jr is licensed to sell policies in most states
and the District of Columbia. James A. Koetting jr is the licenced
agent for all insurance applicants. He has assistants and licensed
agents that help with providing excelent service to you the applicant.
Al A215444; AK 44261;AZ 9977202;AR 263537;CA 0E32111;CO NPI00178922;CN
2112951;DE 1004220;FL E099654; GA 670497;HA 322241;IDAHO AB109184
IL SS#; IN 448276; KS SS#; KY 582499; LA 312415; ME PRN101284; MD
NPI999005385;MA 1792207;MI 330311;MS 401234; MO PR174859; MO AG8019176
(Cheap-Term); MT 970805 NE AG308994; NV 182580; NH 410389; NJ
1010731; NY LA-508458; NC ss#;ND ss#; OH 645186; OK 993599;OR 628473;
PA 313871;RI 2002190 SC 373722; TN 904205; SD 5493838; TX 1260646;
UT 209479; VT 307524; VA SS#; WA KOETTJA34ORG; DC 2817819; WV 427329;WI
2438678;WY 75767 For a list of agents and license numbers please
mail or fax you request to:
Cheap-Term
2460 Executive Drive
Suite 105
St. Charles, MO 63303
Fax: 800-585-0840 |
