Terms of Use

Acceptance of Terms

By using this eligibility screening service, you agree to these Terms of Use. If you do not agree, please do not use this service.

Service Description

This service provides a preliminary eligibility screening for mortgage protection life insurance. It is not:

• An application for insurance
• A guarantee of coverage or approval
• Medical or financial advice
• Affiliated with any government agency or mortgage lender

Eligibility Assessment

The eligibility assessment is preliminary only. Final coverage, premiums, and approval are determined by insurance carriers through their underwriting process.

No Guarantee of Coverage

We make no representations or warranties that:

• You will be approved for coverage
• Specific coverage amounts will be available
• Specific premium rates will apply
• Living benefits will be available or approved

Accuracy of Information

You represent that all information you provide is accurate and complete to the best of your knowledge. Inaccurate information may affect your eligibility and coverage.

Licensing

Robert Gardner is a licensed insurance producer in multiple states (NPN #21782713). Services are available in states where Robert Gardner holds an active license.

Third-Party Carriers

Insurance policies are issued by third-party insurance carriers, not by Robert Gardner or Arete Wealth & Protection. All policy terms, conditions, and benefits are determined by the issuing carrier.

Limitation of Liability

Robert Gardner and Arete Wealth & Protection are not liable for:

• Denial of coverage by insurance carriers
• Changes in premium rates or coverage amounts
• Carrier underwriting decisions
• Delays in the application process

Changes to Terms

We reserve the right to modify these Terms at any time. Continued use constitutes acceptance of modified terms.

Contact

Questions about these Terms: