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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:
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California: Brian K. Carroll -- license # 0B69006
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Louisiana: Brian K. Carroll -- license #267208
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Massachusetts: Brian K. Carroll - license #1723828
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Minnesota: Brian K. Carroll -- license #IN-20239754
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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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