Notice and Disclaimer

InsuranceOnly.com is a service mark of Patrick N. Wedeking who is licensed to do business in the following states: (note: "private" denotes SS# sensitive information)

Some inquiries are forwarded for response to a selected agent licensed in your state of residence. All state license #’s are available on request.

THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. Patrick N. Wedeking, InsuranceOnly.com, and its related affiliated and subsidiary companies, disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

In no event shall Patrick N. Wedeking, InsuranceOnly.com, and its related, affiliated and subsidiary companies or its non-affiliated licensed agents, be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

InsuranceOnly.com assumes that you are submitting accurate information on your own behalf, and is not responsible for information you have submitted for someone else with or without this party's consent.

Copyright Notes

Unless otherwise noted, the graphic images, buttons, layout, and text contained in this web site are the exclusive property of Patrick N. Wedeking, InsuranceOnly.com, 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 Patrick N. Wedeking. 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.

Hyperlinks

Patrick N. Wedeking 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 Patrick N. Wedeking has no control. He cannot and does not monitor the sites linked to our pages on the Internet. Accordingly, Patrick N. Wedeking assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. Patrick N. Wedeking 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.

Insurance Rate Information

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 Patrick N. Wedeking's ability, he has done everything he 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.

Data Protection

Patrick N. Wedeking is not obligated to monitor any transmission made through the respective web pages and newsgroups. However, Patrick N. Wedeking has the right, but not the obligation, to monitor any transmission made to and for this web site. Patrick N. Wedeking may use or disclose information gathered from the site.

Intended Audience

This site is published for some, but not all of the residents of the United States of America. Patrick N. Wedeking is licensed to do business in all states, with the exception of Hawaii and Alaska.

Product Restrictions

Product subject to underwriting requirements. Suicide limitations apply. Product not available in all states.

This Privacy Policy applies to consumers that have signed up on the InsuranceOnly.com website

What information do we gather and how is it used?

InsuranceOnly provides you with insurance related tools and information to assist you in shopping for and obtaining insurance products. Many of the tools and information are available for your benefit without the need to disclose any personally identifiable information. If you decide to request an application for insurance, we require you to submit minimal personal information. We collect information that includes your name, e-mail address, mailing address, telephone numbers, and date of birth. The information we gather from your insurance application request is used to begin the application process. A representative from InsuranceOnly or a selected agent licensed in your state will contact you to complete your application by telephone so that additional information can be obtained. Your application will then be mailed to you for your review and signatures. In some instances, depending upon the insurance company you select, you may be able to complete your application entirely online. When your application information is provided to InsuranceOnly online, it is protected in the same way that all information provided to InsuranceOnly is protected. In addition, if you are applying for life insurance a representative from an insurance company examining service will contact you to schedule your medical exam. If you have any questions regarding how the insurance company you are applying with is using your personal information, you should contact that company directly

We may use the personal information that you supply to us and work with other third party businesses to bring selected retail opportunities to our members via direct mail, email and telemarketing. These businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation and email marketing.

InsuranceOnly does not knowingly solicit data from children, and we do not knowingly market to children. InsuranceOnly may share aggregated statistical information such as website traffic or demographic information with its business partners; however, in no case will your personally identifiable information be disclosed. InsuranceOnly may send you e-mail communications to update you on website features or new benefits that may be of interest to you. If at anytime you choose not to receive these e-mails, you may opt-out here: http://termonly.com/remove.asp, to be removed from the mailing list.

If you request a quote for life insurance you have the option of providing your name, telephone number and email address.  If you provide your email address or telephone number you grant InsuranceOnly and the selected non-affiliated agent licensed in your state permission to email and call you regarding your quote. If you provide your telephone number you may receive a customer service phone call from InsuranceOnly or the selected agent regarding the quote.  If at anytime you choose not to receive phone calls from InsuranceOnly or the licensed agents with whom we work, you may call us at 866-INS-ONLY x 106 to be removed from the phone list. The agents with whom we work are also required to honor any do not contact requests you may make to them.

Cookies

A cookie is a piece of data stored on the user’s computer tied to information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. We use both session ID cookies and persistent cookies. For the session ID cookie, once users close the browser, the cookie simply terminates. A persistent cookie is a small text file stored on the user’s hard drive for an extended period of time. Persistent cookies can be removed by following Internet browser help file directions.

If users reject the cookie, they may still use our site. Persistent cookies enable us to track and target the interests of our users to enhance the experience on our site.

Security

InsuranceOnly uses state-of-the-art secure server software and encryption technologies to assist in protecting your personal information. In addition, InsuranceOnly uses security procedures and practices including the use of firewalls to protect the data it stores on its servers.

Although many security provisions are in place, information submitted on the Internet is not totally secure. If you feel uncomfortable submitting any personal information through the InsuranceOnly website you may call us at 866-INS-ONLY x 109 to request an application.

Tell a Friend!

If a user elects to use our referral service for informing a friend about our site, we ask them for the friend's name and email address. InsuranceOnly will automatically send the friend a one-time email inviting them to visit the site. InsuranceOnly stores this information for the sole purpose of sending this one-time email. The friend may contact InsuranceOnly to request the removal of this information from our database.

Notification of Changes

If at some point in the future, there is a change to our information usage practices that affect your Personally Identifiable Information, we will notify you by email of the relevant changes. The email will inform you on how to opt-out of this information usage or you can opt-out at http://termonly.com/remove.asp.

Correct/Update

This site gives users the following options for changing and modifying information previously provided.
1. Call us at 866-INS-ONLY x109
2. Send mail to the following postal address:

InsuranceOnly.com, Inc.
1530 Blake, Suite 202
Denver, CO 80202

Surveys

From time-to-time our site requests information from users via surveys. Participation in these surveys is completely voluntary, and the user has a choice whether or not to disclose this information. Information requested may include contact information (like name and mail address) and demographic information (such as zip code, age and gender). Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

Log Files

We use your IP address to analyze trends, administer the site, track the user’s movement, and gather broad demographic information (for aggregate use). Your IP address is not linked to your personally identifiable information.

Links to other Websites

This site contains links to other sites that are not under our control. These websites have their own policies regarding privacy. InsuranceOnly is not responsible for the privacy practices or the content of other websites. For your own protection, you should review their policies upon visiting these other sites to make sure they respect your privacy.

Often time, other Web sites refer their users to InsuranceOnly's Web site. These sites often pass a non-personally identifiable digit to the InsuranceOnly Web site.

Contacting Us

If you have any questions about this privacy statement, the practices of this site or your dealings with this website, you can contact us at:

InsuranceOnly, Inc.
1530 Blake, Suite 202
Denver, CO 80202