Important Disclosures
About This Service
This is a preliminary eligibility screening service for mortgage protection life insurance, operated by Robert Gardner, a licensed insurance producer in multiple states.
Not a Government Program
This service and the insurance products discussed are private insurance products. They are NOT:
- Required by your mortgage lender
- Part of any federal or state government program
- Connected to FHA, VA, USDA, or any government agency
- A replacement for Private Mortgage Insurance (PMI)
Licensing Information
Robert Gardner
National Producer Number (NPN): #21782713
Licensed in multiple states
You can verify Robert Gardner's licensing status at NIPR.com
Preliminary Screening Only
The eligibility assessment provided is preliminary and for discussion purposes only. It is not:
- An insurance application
- A guarantee of coverage
- A binding offer
- An approval for coverage
Final eligibility, coverage amounts, premium rates, and policy benefits are determined solely by insurance carriers through their underwriting process.
About Living Benefits
Some policies may include optional accelerated death benefit riders that allow access to benefits under qualifying terminal, chronic, or critical illness conditions. These riders:
- Are subject to specific policy terms and conditions
- May not be available on all policies
- Require approval during underwriting
- Will reduce the death benefit if used
- Have specific qualifying criteria that vary by carrier
Not all applicants will qualify for living benefit riders.
Health Information
Information about your health is collected solely for insurance eligibility purposes. Final medical underwriting may require additional information, medical records, or examinations as determined by the insurance carrier.
Carrier Selection
As an independent insurance producer, Robert Gardner represents multiple insurance carriers. Carrier recommendations are based on your specific situation, eligibility, and needs.
No Medical or Financial Advice
This service does not provide medical or financial advice. You should consult appropriate professionals for health or financial planning guidance.
Privacy & Data Use
Your personal information is handled in accordance with our Privacy Policy. We do not sell your information to third parties for marketing purposes.
Contact Information
Questions about this service or these disclosures:
Arete Wealth & Protection
(470) 633-7173
Robertinsuresyou@gmail.com
Verify Producer Licensing
Contact your state's Department of Insurance for state-specific complaints or inquiries.