General Disclaimer

Statements on this website as to policies and coverages provide general information only. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide us via this online form/application and/or in other communications with us, and such proposal may change at any time. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies and/or coverages are available in every state. Information provided on this site does not constitute professional advice: if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only: we have no control over those sites and do not endorse or guarantee any information provided by those sites.

Jurisdictional Agreement

Use of this website shall be governed by and construed in accordance with the laws of the State of Illinois, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in the state or federal courts located nearest to Chicago, Illinois, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any material on the website, or your use of the website, is contrary to the laws of the place where you are when you access it, the website is not intended for you, and we ask you not to use the website. You are responsible for informing yourself of the laws of your jurisdiction and complying with them.