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Legal Notices and State Insurance Licensing

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

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.

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. 

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



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.


You agree and understand that we may contact you via phone or email to follow up regarding your request for disability or life insurance in order to verify information for the purpose of giving you the most accurate quote possible.  When you fill out our quote request form you are explicitly initiating a relationship with us (as defined by the National Do Not Call Registry), inviting and consenting to the receipt of information by Disability Underwriters and, as such, are indefinitely waiving any right to claim that we contacted you without your express consent.  At any time we will immediately honor any request to be placed on our internal “do not contact” list.

Personal Information

Personal information is handled differently depending on whether an employer is involved.  Where an employer is not involved, Disability Underwriters maintains a strict policy against the dissemination of nonpublic personal information and does not share this information except for the purpose of applying for coverage.  Where an employer is involved, personal information may be shared with insurers so that insurers may cover employees or prepare offers for enrollment.  


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.

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.

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.

State Insurance Licensing Numbers

Alabama 693034

Alaska 0109096

Arkansas 670169

Arizona 1034318

California 0B73499

Colorado 351718

Connecticut 2625242

Delaware 3000471370

District of Columbia 3000085210

Florida W004391

Georgia 3009530

Hawaii 486346

Idaho 292989

Illinois 670169

Indiana 3411220

Iowa 670169

Kansas 670169

Kentucky 1026779

Louisiana 727692

Maine PRN325152

Maryland 3000002183

Massachusetts 1932470

Montana 3000276492

Michigan 0721730

Minnesota 40519161

Mississippi 10594113

Missouri 8345962

Nebraska 0670169

Nevada 3157202

New Hampshire 670169

New Jersey 1576772

New Mexico 670169

New York 1484281

North Carolina 0670169

North Dakota 670169

Ohio 769705

Oklahoma 3000471388

Oregon 670169

Pennsylvania 847459

Rhode Island 3000471373

South Carolina 670169

South Dakota 40507150

Tennessee 2047645

Texas 1726888

Utah 483697

Vermont 3411471

Virginia 895401

Washington 118074

West Virginia 670169

Wisconsin 2635185

Wyoming 391239

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