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Brian K. Carroll and the Small Business Insurance Agency, Inc. (SBIA)
are licensed to sell life insurance products in all states and the District of Columbia.
Directinsurance.com is a service mark for both.
Materials on the website are furnished "as is" and are provided without
any kind of implied or expressed warranty. Directinsurance.com, Brian K. Carroll,
Carroll Enterprises, Inc., SBIA and other Carroll subsidiaries make no warranties either
expressed or implied express or implied.
Brian K. Carroll, SBIA, directinsurance.com, its affiliates and subsidiaries,
will in no event be liable for any direct, indirect, special, incidental, or consequential damages
arising from use of the information provided on this website.
Directinsurance.com makes the assumption that that the information
you submit is accurate and assumes no responsibility if you have submitted for someone else's
information with or without their consent.
It is the consumer's responsibility to carefully consider the accuracy and
usefulness of any information or advice provided. All information is presented with the understanding
that we are not rendering legal, accounting or other professional advice or opinions on specific facts
or matters. Carroll, directinsurance.com and SBIA assume no liability whatsoever in connection with
its use. Consumers are urged to consult their legal or tax advisor regarding their personal situation.
Copyright
Permission is granted to print copies of forms, information and screens contained
on this website in the normal course of getting quotes and applying for insurance. Displays of screens
and other data are intended solely for personal or internal use. The images, text, buttons and graphics
contained on this website are the sole property of Brian K. Carroll and the Small Business Insurance Agency,
Inc. These items may not be copied, reproduced or distributed in part or whole, without express written
permission from Brian K. Carroll or SBIA.
Links
Any hyperlinks contained on directinsurance.com were believed to be appropriate when
established. However, we cannot guarantee that these hyperlinks will be accurate at the time consumers
access the sites associated with these hyperlinks, since Brian K. Carroll and SBIA cannot and do not
continually monitor them. In addition, these other sites are developed and maintained by persons and
entities other than Brian K. Carroll and SBIA. Therefore, neither have control over the content of the
sites to which these hyperlinks point. Brian K. Carroll and SBIA believe establishing hyperlinks to other
sites is customary and legally permissible.
Insurance Rate Information
Insurance rate quotes are based on information on rate cards and printed brochures
which life companies routinely publish and distribute to brokers and life insurance agents. Directinsurance.com
has performed due diligence to make sure that the insurance rate information contained in quotes is accurate
and up-to-date. However, the accuracy of information cannot be guaranteed.
Audience
This site is for use of residents of the United States, where Brian K. Carroll is licensed
to do business. Brian K. Carroll is not licensed outside of the United States.
Product Restrictions
Not all products are available in every state and all applications are subject to underwriting guidelines
Company Ratings
Insurance quotes are for carriers rated A-, A, A+ or A++ by the A. M. Best
Company, an independent insurance industry analysis firm that bases its ratings on financial
position and operating performance.
Licenses and Insurance Policy Availability
All policies and carriers are not available in all states. Our Agent(s) are licensed to sell
policies in the District of Columbia as well as all states. Agent license numbers listed below as required by state
law in California, Louisiana, Massachusetts, Minnesota and Utah:
- California: Brian K. Carroll -- license # 0B69006
- Louisiana: Brian K. Carroll -- license #267208
- Massachusetts: Brian K. Carroll - license #1723828
- Minnesota: Brian K. Carroll -- license #IN-20239754
- Utah residents: Brian K. Carroll-- license #129291
Actual premiums and coverage are based on age, gender, state of residence, underwriting guidelines,
medical history, tobacco use and other factors. Initial quotes provided on directinsurance.com are for illustrative
purposes and final quotes will be adjusted for the factors just mentioned. Not all products or carriers are available in all states.
Should there be a discrepancy in the information contained in quotes and authorized insurance company illustration,
the policy shall govern.
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