Appert Insurance Services - 218-770-9630

Legal Information

We believe the information provided on this web site to be accurate, and we make every effort to minimize errors. However, since both humans and computers are subject to mistakes, and since information and rates can change quickly, we cannot absolutely guarantee the accuracy of the information provided.

Rates which may be provided by fax, mail, e-mail, or phone or on-line are estimates and are generally reflective of the prices for the best rate classes available for various life insurance products as of the date that any rate comparisons are prepared by us. Rates provided in this manner are not firm quotes or offers, but rather estimates which are based on information provided to us by you and by the various insurance companies. Rates and availability are subject to underwriting approval by the insurance company selected, and the criteria to qualify varies widely among insurance companies. Any and all required illustrations, applications, supplemental forms, and other documents necessary to evaluate and/or apply for life insurance coverage will be provided as soon in the process as they become necessary. Policy forms vary by state.

We may occasionally provide premium rates, features, financial strength ratings, and/or other information about certain companies and products for which we are not appointed to sell. This information is provided as a courtesy and should not be construed as a solicitation or invitation for application for the sale of such products.

You agree and understand that we may contact you via phone or email to follow up regarding your request for life insurance in order to verify information for the purpose of giving you the most accurate quote possible.

Under Title V of the Gramm-Leach-Bliley Act, consumers have the right to limit the dissemination of nonpublic personal information. maintains a strict policy against the dissemination of nonpublic personal information which may be found in the files of its clients and applicants.

We are serious about our commitment to deliver the best value to our customers. We believe that, in order to determine which product represents the best value, we must examine the price, features, financial strength of the insurance company, as well as the availability based on your individual profile. We are also acutely aware of the fact that, as a consumer, you have many choices as to where you buy anything, including your life insurance. If we don't provide you with the best overall value, we expect that you will find someone who will. Our success as a company depends upon our continuing to deliver a superior value to our customers. We appreciate your trust, and the opportunity to earn your business.

The underwriting (risk assessment) will not begin until after the completed, hard-copy, signed application is received by the insurance company.

The information in the website is provided "as is" and without warranties of any kind either express or implied. Darren Appert, Appert Insurance Services along with Appert & Associates,d/b/a Quotelife personally, hereby disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.