Disclosures

 

Quoter

*Not all will be eligible for an instant decision or no medical exam. For those that do not qualify for an instant decision, we have other options available. By entering your email and clicking next, you authorize and consent to Pendella communications, which may include emails, texts and phone calls. You can opt out of communications at any point by emailing optout@pendella.com. Pendella will not share or send your information to other unrelated third parties without your express consent. If you do not wish to give consent and would like to receive quotes over the phone you can call (833) 736-3355.

Pendella Technologies, Inc (DBA PENDELLA TECHNOLOGIES INSURANCE AGENCY in CA & NY) (“Pendella”), a Delaware corporation with its principal place of business in Fort Myers, Florida, is a licensed independent insurance agency. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.

SBLI App

Policies are issued by The Savings Bank Mutual Life Insurance Company of Massachusetts (“SBLI”) on policy form series 20-P-SIT. Centrian Life Insurance is a registered trade name and Connecticut d/b/a of SBLI. Policies sold in the state of Connecticut will be issued under Centrian Life Insurance (“Centrian”).

Pendella Technologies, Inc (DBA PENDELLA TECHNOLOGIES INSURANCE AGENCY in CA & NY) (“Pendella”) Broker Number: L116171, a Delaware corporation with its principal place of business in Fort Myers, Florida, is a licensed independent insurance agency. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.

Assurity

POLICY NOT AVAILABLE FOR RESIDENTS OF NEW YORK. This policy may contain reductions of benefits, limitations and exclusions. Click here for standard Limitations and Exclusions. Product availability, features, rates, limitations and exclusions may vary by state. For costs and complete details of the coverage, please contact your insurance representative or Assurity to review the policy for more information. The state specific policy form is the ultimate authority for any questions about this product. Policy Form No. I L1702 and if made available, associated Form Nos. R I1506, R I1703, R I1705, R I1706, R I0762, R I0825-T and R I0827-T underwritten by Assurity Life Insurance Company, Lincoln, Nebraska. Assurity reserves the right to order, at the company’s expense, evidence of insurability which the company feels is necessary for the prudent evaluation of the risk. Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY.

Assurity DI

POLICY NOT AVAILABLE FOR RESIDENTS OF NEW YORK. This policy may contain reductions of benefits, limitations and exclusions. Click here for standard Limitations and Exclusions Product availability, features, rates, limitations and exclusions may vary by state. For costs and complete details of the coverage, please contact your insurance representative or Assurity to review the policy for more information. The state specific policy form is the ultimate authority for any questions about this product. Policy Form No. I H0920 and if made available, associated Form Nos. R I0922, R I0923, I R0721, R I1601, R I0925, R I0921, R I1602, R I0927, R I0928 and R I0929 underwritten by Assurity Life Insurance Company, Lincoln, Nebraska. IMPORTANT NOTICE – This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 56 percent. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy. A medical exam is required for monthly benefit amounts of $5,001 and greater for issue ages 18-50, $2,001 and greater for issue ages 51-55 and $1,501 and greater for issue ages 56-60. Assurity reserves the right to order, at the company’s expense, evidence of insurability which the company feels is necessary for the prudent evaluation of the risk on any application. Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY

Pendella Technologies, Inc (DBA PENDELLA TECHNOLOGIES INSURANCE AGENCY in CA & NY) (“Pendella”) Broker Number: L116171, a Delaware corporation with its principal place of business in Fort Myers, Florida, is a licensed independent insurance agency. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.

By submitting your email, you authorize and expressly consent to Pendella sending you one-off email messages related to the information, service, or request that you’re inquiring about, as well as promotional emails, offers, updates, and other marketing information. By submitting your phone number, you also authorize and expressly consent to calls and/or SMS/text and voice messages being delivered to your phone number placed by Pendella, its associates, and/or service providers, from an automatic telephone dialing system and/or using an artificial or pre-recorded voice, related to offers, benefits, and services that may be of interest to you. You understand that you may opt-out of receiving email and/or phone communications at any time by contacting Pendella at optout@pendella.com.

 

 

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Life Protected Insurance Services operates in compliance with all relevant Florida state laws and regulations governing the sale and provision of insurance products. Our policies and practices are designed to adhere to the standards set by the Florida Office of Insurance Regulation. We offer a range of insurance products, including Term Life Insurance, Whole Life Insurance, Disability Insurance, and Medicare Supplement Insurance. Each type of insurance has specific terms, conditions, and exclusions that are outlined in the individual policy documents. All agents representing Life Protected Insurance Services in Florida are licensed by the Florida Department of Financial Services. They are qualified to provide information and assistance regarding our insurance products. Please read your insurance policy documents carefully. They contain essential information about coverage limits, premiums, exclusions, and your obligations as a policyholder. For any questions or clarifications, you can contact our customer service department. Premium payments are due as specified in your policy documents. Failure to pay premiums on time may result in the lapse or termination of your insurance coverage. We offer multiple payment options for your convenience. To file a claim, follow the instructions provided in your policy documents. You can also contact carrier claims department for assistance. The carriers strive to process claims promptly and fairly, in accordance with Florida state regulations. We are committed to protecting your privacy. Any personal information collected during the application or claims process is handled in accordance with our privacy policy, which complies with state and federal regulations. Insurance Fraud: It is a crime to provide false or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines, and denial of insurance benefits. Policy Changes: Any changes to your policy, including coverage adjustments, must be requested in writing and approved by the insurance company. Unauthorized changes are not valid. Thank you for choosing Life Protected Insurance Services. We provide you with reliable insurance products and excellent customer service. As a Florida insurance consumer, you have certain rights, including the right to receive clear information about your insurance coverage and the right to appeal claim decisions. For more information on your rights, you can contact the Florida Department of Financial Services or visit their website. You have the right to cancel your insurance policy within a specified period, as outlined in your policy documents, for a full refund of any premiums paid. After this period, the terms for cancellation and any potential refunds are detailed in the policy. For any questions, assistance, or to file a complaint, please contact our customer service department: Life Protected Insurance Services, LLC Phone: 1-844-586-2331 Email: support@life-protected.com Address: 4319 E 7th Ave Tampa, FL 33605

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