State Insurance License Numbers

Disability Underwriters is a DBA for Rip Curtis, agent / broker / consultant, who is the agent of record for all applications.  

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The materials and information in this site are provided “as is” and without warranties of any kind either expressed or implied.  Disability Underwriters disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.  It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

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In no event shall Disability Underwriters, Rip Curtis, personally be liable for any direct, indirect, special, incidental, or consequential damages rising out of the use of the information herein.  

Disability Underwriters does not guarantee that you will be offered a policy at the conclusion of your application process. 

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The policy is authoritative, not the agent.  If there is a conflict, the policy governs.   

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Copyright

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Unless otherwise noted, the graphic images, buttons, layout, and text contained in this web site are the exclusive property of Disability Underwriters and may not be copied or distributed, in whole or in part, without the express written consent of Disability Underwriters.  Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use.

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Contact

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If you fill out a form, it is implied that you wish to be contacted for a limited purpose.  You will not be contacted for other purposes, marketed to, nor added to any communication lists.

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Privacy / Information Practices

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Please refer to the Privacy statement.

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General

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In conjunction with any formal application for insurance, except as may be provided in a properly-executed Conditional Receipt, no coverage is in force until the insured has received the issued policy, paid the premium and completed any other policy delivery requirements that might be required by the insurance company. If there is any question, concern or ambiguity regarding this issue, please refer to the language on the insurance company’s application form.

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Disability Underwriters herein advises all proposed insureds NOT to cancel any existing coverage UNTIL they have received their new policy from the issuing company and found it to be satisfactory. Even if you are applying for coverage to replace an existing policy, NEVER cancel the existing coverage until the new policy is approved, in force, delivered and paid for.

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No statement or assurance of Disability Underwriters can override the policy.  Any inconsistencies are your responsibility to determine by reading your policy, for which a free-look period applies for this purpose.

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