Disclaimer

LTCi Pros and its related, affiliated and subsidiary companies disclaim all warranties, expressed 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 LTCi Pros and its related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

Copyright Notices

Unless otherwise noted, the graphic images, buttons, layout, and text contained in this Web site are the exclusive property of LTCi Pros and its related, affiliated and subsidiary companies, and may not be copied or distributed, in whole or in part, without the express written consent of LTCi Pros. 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. Insurance company logos are the exclusive property of the respective insurance companies, and are used with permission.

Data Protection

LTCi Pros is not obligated to monitor any transmission made through the respective Web pages and news groups. However, LTCi Pros has the right, but not the obligation, to monitor any transmission made to and for this Web site. LTCi Pros may use or disclose information gathered from the site.

Intended Audience

This site is published for most, but not all, residents of the United States of America. Information concerning the identity, history and products of each insurance company represented by LTCi Pros is intended for residents of states in which that insurance company is licensed. No applications will be sought or accepted on behalf of any insurance company from a resident of a state in which that company is not licensed.

Product Restrictions

Policies not available in all states. Misrepresentation restrictions may apply. All applications for insurance are subject to underwriting qualification by the specific insurance company to which the application is submitted. Availability of premium rates and policy forms may be changed by each insurer without prior notice.

Important Notice

This comparison is for educational purposes only. These are only brief descriptions of company stability ratings and policy features. Only the policies themselves contain governing contractual provisions. If you're interested in a particular policy, we'll send you a complete package of information containing all state-required materials, including the Outline of Coverage.

We've worked hard to ensure the accuracy of this information. However, policy provisions, financial ratings and laws are subject to change, so we cannot guarantee their accuracy. Features and rates can vary by state. A state "Partnership Program" is available in CA, CT, IN, MA and NY. If you're interested, please call for details. In NY, policies are issued by First UNUM Life Insurance Company, First Fortis Life Insurance Company and GE Capital Assurance Company of New York. All HI applications will be signed by a duly licensed HI agent.