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ADVERTISING DISCLOSURES


DISCLAIMER AND DISCLOSURE REFERENCES

eCoverage has provided a list of our general disclaimer references and their
associated sources or explanations. We have also included any statements or
information pertaining to our business that may or may not be included in our
eCoverage.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 male, preferred plus,
non-tobacco user, and female, preferred plus, non-tobacco user – at the
respective ages noted in a 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 – FIDELITY LIFE ONLY

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


$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.


SAVE UP TO 70% COVERAGE IN FOUR SIMPLE STEPS

Many of the life insurance companies we feature on our eCoverage.com website
follow a similar quote request process that can be completed in four steps from
requesting a preliminary quote to applying for a policy and locking in your
rate. This rate is maintained while your application is reviewed and for the
designated period of time your agent provides (which could be up to 6 months).
The review is designed to confirm the health and lifestyle information you
provided to the insurance carrier in your application. Affordable insurance
payments will be based upon your submitted and validated profile information and
your choice of coverage.


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.

For Fidelity Life Association policyholders, the free look review period is 30
days – which begins once you (the policy holder) receive your life insurance
policy.


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

Click here should you choose to opt-out or unsubscribe from eCoverage
communications. To submit your unsubscribe request by mail, please send a note
with your email address that should be removed from all eCoverage marketing
communications. Address it to eCoverage, Attn: Request Unsubscribe, 1203 114th
Ave SE, Bellevue, WA 98004.

Last updated: August 2020

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