Legal

The policies and riders described on this website are subject to exclusions, limitations, reductions of benefits, and specific terms and conditions that are fully outlined in the contract. Benefits provided depend on the coverage elected by the Insured. Premiums vary based on the coverage elected. Forms and form numbers vary by state. Benefit choices may also differ by state. Coverage may not be available in all jurisdictions. The underwriting company will be the company that issues the contract and with which the Insured completes an application.

Products highlighted on this website are underwritten by numerous insurance companies.

This website is intended to "highlight" information only. For complete information on products and services, contact your Employee Benefit Specialists, P. A. representative or our office at 800-510-0686.

Not all products and services may be available in all jurisdictions.

Refer to the specific product literature for information regarding limitations, exclusions, or conditions of coverage.