LEGAL DISCLOSURES

Last updated: November 18, 2014

The website www.lifeinsurancedirect.com (this “Site”) is owned and operated by TZ Insurance Solutions LLC, a Delaware limited liability company (“us” or “we”). We are licensed as a life insurance agency and certain of our agents are licensed life insurance agents. As a life insurance agency with life insurance agents, we and our agents are the representatives of the insurance companies whose life insurance products we offer.

Please note that in some circumstances, a TZ Insurance Solutions LLC agent may not be available or may not be able to offer a suitable life insurance product for a customer. In such cases, a non-TZ Insurance Solutions LLC licensed life insurance agent may respond to a customer’s request for a quote or may answer a customer’s call when he or she calls 888-350-4651.

Our services are provided at no cost to you. If you purchase insurance through us, we receive compensation from the insurance company that issues the policy. This compensation may include commissions when a policy is purchased or renewed, and fees for marketing and administrative services and educational opportunities. The compensation may vary by insurance company and the specific product and features purchased. We may be entitled to receive bonuses and incentive trips or prizes associated with sales or sales performance. The products we offer may vary based on factors such as type of policy and coverages selected, term selected, your health, gender, age and a number of other considerations.

We make no representation or warranty to you 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 your financial advisor. Our recommendation(s) of insurance coverage may not necessarily be the lowest rate alternative(s) available or the best alternative(s) for your individual needs. In identifying and recommending insurance products to you, we consider a variety of factors in addition to the premium rates and your personal information, including the insurer’s credit rating, the insurer’s reputation for service and claims settlement, the features of the policy and agent commissions and fees received by us. 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.

Premium rates are as current and accurate as the information provided to us by our insurance company partners and other third parties. The premium rates shown are for quoting purposes only, are not an offer of coverage and are not guaranteed. Final premium rates will be determined by the applicable insurance company and are based on individual circumstances. As a result of underwriting, final premium rates may differ from quoted premium rates.

Product(s) may be subject to underwriting requirements. Suicide, misstatement and misrepresentation limitations may apply. Availability of premium rates and policy forms may be changed by each insurer without prior notice. Products(s) are not available in all states, and availability of product(s) varies by state.

Most insurance companies quoted by us are A-, A, A+ or A++ by the A. M. Best Company, an independent insurance industry analyst. For a detailed explanation, see the A. M. Best Insurance Ratings Guide.

Under Title V of the Gramm-Leach-Bliley Act, consumers have the right to limit the dissemination of nonpublic personal information. We maintain a policy against the dissemination of nonpublic personal information which may be found in the files of our customers. All of our employees are trained and aware of the confidentiality of such information. Such nonpublic personal information is routinely provided by consumers to life insurance companies and related individuals, including, but not limited to, their agents, wholesalers, and reinsurers, all of whom need this information in order to evaluate their inquiries, provide accurate price quotations, and underwrite their applications for coverage. As such, in order to provide the high level of service our customers have come to expect, you understand that by filling out and submitting a quote request form, or application request form, you are granting use the permission to evaluate this information, and in our sole judgment, to share it with insurance companies, their reinsurers, wholesalers, and other related parties (including the applicant) as necessary for the purpose of shopping for, evaluating, making recommendations regarding, and/or underwriting any proposed or existing life insurance coverage. Such nonpublic personal information is not used for any other purpose.

TZ Insurance Solutions LLC operates as TZ Insurance Agency Solutions LLC in New York.

Our life insurance licenses numbers for each jurisdiction that requires us to be licensed are set forth below:

Jurisdiction

License Number

Alabama

451161

Alaska

87611

Arizona

965226

Arkansas

100104637

California

0H02337

Colorado

353687

Connecticut

002351962

Delaware

1111745

District of Columbia

2881857

Florida

L071355

Georgia

154161

Hawaii

375211

Idaho

343743

Illinois

100289116

Indiana

697248

Iowa

1002049516

Kansas

271602268

Kentucky

DOI-727470

Louisiana

510361

Maine

AGN177169

Maryland

100038550

Massachusetts

1883748

Michigan

0092005

Minnesota

40204022

Mississippi

15015464

Missouri

8048052

Montana

741390

Nebraska

100179543

Nevada

702524

New Hampshire

2068730

New Jersey

1277532

New Mexico

100006496

New York

LA-1153995

North Carolina

271602268

North Dakota

2000001906

Ohio

41110

Oklahoma

10012025

Oregon

100170502

Pennsylvania

575537

Rhode Island

No Agency License Required

South Carolina

175930

South Dakota

10012020

Tennessee

2040687

Texas

1628141

Utah

343879

Vermont

776886

Virginia

128344

Washington

761807

West Virginia

100107416

Wisconsin

2582068

Wyoming

198348

More information about our and our agents’ licenses is available from us upon request, or you may go to the applicable state insurance department for further information.