Disclosures & Disclaimers

Last Updated: April 5, 2026

General Insurance Disclosure

TurboQuote Insurance Group LLC is a licensed insurance agency. The content, tools, assessments, and information provided on this website are for educational and informational purposes only and are not intended to be a substitute for individualized insurance advice.

All insurance products are subject to:

  • Policy terms, conditions, and exclusions
  • Underwriting approval
  • Carrier guidelines
  • State availability

Coverage is not guaranteed, and eligibility, pricing, and benefits will vary.

No Legal, Tax, or Financial Advice

Nothing contained on this website or within any tools, assessments, or communications should be construed as:

  • Legal advice
  • Tax advice
  • Financial planning advice
  • Investment advice

You should consult with:

  • A licensed insurance professional
  • A qualified financial advisor
  • A tax professional
  • Legal counsel

before making any financial or insurance decisions.

Estimates, Projections, and Assumptions

Any estimates, projections, or results generated through this website:

  • Are based on user-provided information and simplified assumptions
  • Do not account for all variables or individual circumstances
  • Are not guarantees of future performance or outcomes

Actual results will vary based on:

  • Product selection
  • Underwriting outcomes
  • Market conditions
  • Health status
  • Longevity
  • Carrier-specific rules

Lead Generation & Solicitation Disclosure

This website is intended to:

  • Generate insurance inquiries
  • Connect consumers with licensed insurance professionals

By submitting your information:

  • You are requesting to be contacted regarding insurance products
  • You acknowledge this is a solicitation for insurance

TurboQuote Insurance Group LLC may distribute your information to:

  • Licensed agents
  • Agencies
  • Insurance carriers
  • Marketing partners

Licensing & Representation Disclosure

TurboQuote Insurance Group LLC and its affiliated agents:

  • Are licensed to sell insurance products in applicable states
  • May represent multiple insurance carriers
  • May receive compensation, commissions, or other incentives based on product placement

Not all agents are licensed in all states.

🔒 LIFE INSURANCE DISCLOSURES

Applicable to:

  • Term Life
  • Whole Life
  • Universal Life
  • Variable Life
  • Indexed Life
  • Final Expense
  • Survivorship / Joint Life

General Life Insurance Disclosure

Life insurance products:

  • Are subject to underwriting approval
  • May require medical exams, health questionnaires, and/or third-party data
  • May include exclusions, limitations, and waiting periods

Premiums and benefits:

  • Are not guaranteed unless explicitly stated in the policy
  • May vary based on health, age, and underwriting classification

Permanent & Cash Value Life Insurance

Whole Life, Universal Life, Indexed Life, and Variable Life products:

  • May accumulate cash value
  • May involve fees, surrender charges, and policy expenses
  • May lapse if insufficient premiums are paid

Policy performance may vary based on:

  • Interest rates
  • Index performance
  • Cost of insurance charges

Variable Life Insurance (IMPORTANT)

Variable life insurance products:

  • Are subject to market risk
  • May lose value
  • Are not guaranteed

These products are typically:

  • Securities-based
  • Offered through properly licensed representatives

Final Expense Insurance

Final expense policies:

  • Typically have lower face amounts
  • May include graded benefits or waiting periods
  • May not pay full benefits in early policy years

🏥 HEALTH INSURANCE DISCLOSURES

ACA Marketplace Plans

  • Availability is subject to federal and state regulations
  • Subsidies and eligibility are determined by government guidelines
  • Enrollment is limited to:
  • Open Enrollment Periods
  • Qualifying Life Events

TurboQuote Insurance Group LLC is not the federal marketplace.

MEDICARE DISCLAIMER (CMS REQUIRED LANGUAGE)

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.

Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Medicare Advantage, Supplement, and Part D

  • Plans vary by carrier and location
  • Benefits, premiums, and provider networks differ
  • Enrollment may be limited to specific periods

Supplemental Health Products

Includes:

  • Hospital Indemnity
  • Critical Illness (Cancer, Heart Attack, Stroke)
  • Accident Plans
  • Short-Term Care
  • Home Health Plans

Disclosures:

  • Benefits are typically limited and not comprehensive health coverage
  • Payments may be:
  • Lump sum
  • Indemnity-based
  • Benefits are triggered by defined qualifying events

These products are:

  • Not a substitute for major medical insurance

Dental, Vision, and Hearing Plans

  • Benefits vary by plan and provider
  • Waiting periods may apply
  • Coverage may be limited by:
  • Frequency
  • Maximum benefit caps
  • Network participation

Coverage does not guarantee full cost coverage.

💰 ANNUITY DISCLOSURES

Applicable to:

  • Fixed Annuities
  • Fixed Indexed Annuities
  • SPIAs (Single Premium Immediate Annuities)
  • Deferred Annuities

General Annuity Disclosure

Annuities are:

  • Insurance products, not bank deposits
  • Not FDIC insured
  • Subject to insurer financial strength

Indexed Annuities

  • Returns are linked to market indices but not directly invested in the market
  • Gains are subject to caps, spreads, and participation rates

Immediate & Deferred Annuities

  • May involve surrender charges
  • May limit liquidity
  • May have tax implications

Tax Considerations

Annuities may have:

  • Tax-deferred growth
  • Ordinary income taxation upon withdrawal

Consult a tax professional before making decisions.

⚠ IMPORTANT COVERAGE LIMITATIONS

  • Coverage is not guaranteed
  • Premiums may change
  • Benefits depend on policy terms
  • Not all benefits are available in all plans
  • Availability varies by state

Actual coverage is governed solely by:

👉 The policy or contract issued by the insurance carrier

🔒 THIRD-PARTY & CARRIER DISCLAIMER

TurboQuote Insurance Group LLC:

  • Is not the insurer
  • Does not underwrite policies
  • Does not make final coverage decisions

Insurance carriers:

  • Are solely responsible for claims and benefits

⚖ LIMITATION OF LIABILITY DISCLOSURE

To the fullest extent permitted by law:

TurboQuote Insurance Group LLC shall not be liable for:

  • Errors or omissions in content
  • Decisions made based on website information
  • Financial or insurance outcomes

🔄 CHANGES TO DISCLOSURES

These disclosures may be updated at any time without prior notice.

📞 CONTACT INFORMATION

TurboQuote Insurance Group LLC
Phone: 1-866-475-3787
Email: turboquoteinsurance@gmail.com