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Terms & Conditions

Terms and Conditions

Laws and Regulations

Access to and use of this Site are subject to all applicable federal, state and local laws and regulations.

Access to Password Protected or Secure Areas

Access to and use of password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.

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 entire website, verbiage, graphics, trademarks, logos and service marks (the “Marks”) displayed on this Site are the property of 800InsuranceNow a dba of TelcoZone Corporation registered in the state of California. Users are prohibited from using any Mark for any purpose without the express written permission of 800InsuranceNow. This site in its entirety is 100% owned by 800InsuranceNow. All rights reserved. There are some product logos that do not belong to 800InsuranceNow. Those are the product logos of the product carriers that we market through our web site.

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 800InsuranceNow. 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 (800) 363-6300.

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. 800InsuranceNow 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. 800InsuranceNow has no obligation to update information on this Site, so such information may be out of date at any given time. 800InsuranceNow also may make improvements or changes in products described on this Site at any time without notice.
We do not guarantee access, coverage or denial of services to anyone. All is the responsibility of the insurance providers we work with.

Linked Internet Sites

You may leave this Site and access other sites on the World Wide Web that 800InsuranceNow does not maintain. 800InsuranceNow 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

800InsuranceNow specifically disclaims 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 800InsuranceNow 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 800InsuranceNow 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.

Tax and/or legal advice is not offered by 800LifeInsuranceNow, or their affiliated companies.

Please consult with our agents and written material presented in your policy for final features, benefits, terms, conditions, limitations, exclusions, in-network and out-of-network services.

Plan features and availability may vary by location and are subject to change.

Discounts for non-covered services may not be available in all states.

Information is believed to be accurate as of the production date; however, it is subject to change.

Exclusions and limitations for services include: any charges in excess of the benefits, dollar or supply limits stated in your handbook; All Clients and other interested parties must consult with and rely solely upon their own independent financial professional regarding their particular situation and the concepts presented here.

No Representation as to Suitability

800InsuranceNow makes 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.

As you select a plan, please check the specific benefits, limitations and exclusions listed as these may vary by state or provider. To learn more about these plans, get a quote or talk to your agent.

An application must be completed in order to obtain coverage and all information pertaining to your coverage like benefits, exclusions, terms, conditions, etc.

800InsuranceNow, agents and participating providers are independent contractors and not employees or agents of each other.

All services or access to specific care providers, and provider network composition is subject to change without notice.

All services and plans contain exclusions and limitations. Not all insurance services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage.

Changes to Rules and Regulations

800InsuranceNow 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

800InsuranceNow reserves 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 800InsuranceNow or any officer, director or employee of 800InsuranceNow 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, Walnut Creek, California. 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.

Contact Information

If users have any questions or suggestions regarding our terms and conditions, please contact us at legal@800insurancenow.com


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