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The Insurance Works web site is a service for insurance and mortgage consumersFurther, The Insurance Works does not sell insurance or mortgage products, or is affiliated with any insurance or mortgage company. ALL INFORMATION IS STRICTLY CONFIDENTIAL AND IS TRANSFERRED UPON RECEIPT BY The Insurance Works., TO LICENSED PROFESSIONALS IN YOUR AREA WHO WILL CONTACT YOU AND RETURN YOUR COMPLETED QUOTE DIRECTLY.  Accordingly, The Insurance Works., is not hereby endorsing or recommending any specific insurance / mortgage company, coverage,  product or policy type.  NOTHING ON THIS WEB SITE SHOULD BE CONSTRUED AN OFFER TO BUY INSURANCE OR MORTGAGE PRODUCTS, BUT  MERELY A CONFIDENTIAL INFORMATIONAL INQUIRY.

The Insurance Works, is an independent information gathering firm.  We are not an insurance agency or mortgage brokerage, and consequently we are not qualified nor registered to provide quotes to the  public directlyFurther, the material included on the insuranceworks.com web site is for informational purposes only. The content (FAQ's / GUIDES) has been compiled from a wide range of industry sources, and we believe the information to be accurate, however we do not guarantee its accuracy. The listings of insurance companies (if any) and rates are not to be construed as advertising in any form. We will not accept payment as a condition of being listed on the insuranceworks.com web site.

INSURANCE: FURTHER, YOU SHOULD KNOW THAT, it is possible that, upon review of your application and medical records, the insurance carrier will determine that (1)  you cannot be approved for coverage or, (2) you fall into a different risk classification. Your final rate could be higher or lower than the rate a licensed agent has quoted. If there is a change, you will  be notified and you will have the option to accept the new rate or not.  All products and product features may not be available in all states,  ASK YOUR LICENSED PROFESSIONAL WHAT IS BOTH  AVAILABLE, AS WELL AS RIGHT FOR YOU.  Complete details are included in the specific policy illustrations that are provided to each prospective customer by their licensed agent, when the final application is completed.

The Insurance Works, can not or will not give legal, tax, financial planning or other professional advice. Always consult with a qualified advisor regarding your personal situation.

The Insurance Works, EXPRESSLY DISCLAIMS ANY WARRANTY OF MERCHANT ABILITY OR FITNESS FOR A PARTICULAR USE. THE INFORMATION IS PROVIDED AS IS, WITH ALL FAULTS.  The Insurance Works.  not be liable to any user or anyone else for any inaccuracy, error or  omission, regardless of cause, in the  Information or for any damages resulting therefrom. In no event shall The Insurance Works,  be liable for any consequential damages suffered by user as the  result of user's access to or use of the Information. The Insurance Works. has no responsibility for the content of any messages or information posted by users, or for the content of information of third parties on the Internet, even if accessed through The Insurance Works, site.  The user agrees to indemnify The Insurance Works.,  from any damages, losses, costs or expenses which The Insurance Works.,  and  its authorized representatives may incur as a result of material entered into these World Wide Web pages bythe user.

In the future, the InsuranceWorks web site may, for the benefit of its users, be linked to other sites of which The Insurance Works. has no relation and exercises no control.  The Insurance Works. makes no representations as to the accuracy of any of the information contained in such hyper linked sites, nor shall it be liable for the users' reliance on any information contained therein.