Important Disclaimers
Important information about McCorquodale Health & Life Insurance services
Last Updated: January 2025
General Disclaimer
The information provided on this website and through our services is for general informational purposes only and should not be considered as professional advice. Always consult with qualified professionals for advice specific to your individual circumstances.
Insurance Coverage Disclaimers
No Guarantee of Coverage
Insurance coverage is subject to underwriting approval by the insurance company. We cannot guarantee that any application will be approved, that coverage will be issued, or that it will be issued at the rates quoted. Final coverage terms and premiums are determined by the insurance carrier.
Policy Terms Control
The actual insurance policy, not any marketing materials or verbal representations, controls all coverage terms, conditions, exclusions, and limitations. Always review your policy documents carefully and contact your insurance company directly with specific coverage questions.
Rate Changes
Insurance rates and product availability are subject to change without notice. Quoted rates are estimates based on information provided and may change based on underwriting review, medical exams, or other factors.
Professional Service Disclaimers
Not Legal Advice
Our services do not constitute legal advice. While Charles McCorquodale has legal education and experience, he is not providing legal services through this insurance business. For legal advice, consult with a qualified attorney licensed to practice law in Alabama.
Not Tax Advice
Information about tax implications of insurance products is general in nature and should not be considered tax advice. Tax laws are complex and change frequently. Consult with a qualified tax professional for advice specific to your tax situation.
Not Investment Advice
We are not registered investment advisors. Information about investment aspects of insurance products is educational only. For investment advice, consult with a qualified financial advisor or investment professional.
Alabama Licensing and Regulatory Disclaimers
Licensed Agent
Charles McCorquodale is licensed to sell insurance in Alabama only. Services are only available to Alabama residents. License information can be verified through the Alabama Department of Insurance.
HealthMarkets Affiliation
Charles McCorquodale is a licensed agent affiliated with HealthMarkets Insurance Agency. This affiliation may affect product recommendations and commissions received. We represent multiple insurance companies but may not represent all companies or all products available in Alabama.
Regulatory Compliance
Our services are subject to Alabama insurance laws and regulations. For questions about insurance regulations or to file a complaint, contact the Alabama Department of Insurance at (334) 269-3550.
Website and Technology Disclaimers
Information Accuracy
While we strive to provide accurate and up-to-date information, we make no warranties about the completeness, accuracy, or reliability of information on this website. Insurance products, rates, and regulations change frequently.
Technical Issues
We are not responsible for technical issues, interruptions, or errors that may occur with our website or communication systems. Always confirm important information through direct communication.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or privacy practices of external websites. Use of third-party websites is at your own risk.
Health Information Disclaimers
Medical Information
Any health or medical information provided is for general educational purposes only and should not be considered medical advice. Always consult with qualified healthcare professionals for medical advice and treatment.
Underwriting Requirements
Life insurance applications typically require medical underwriting, which may include medical exams, medical records review, and health questionnaires. Pre-existing conditions may affect coverage availability and rates.
Financial Disclaimers
Commission Disclosure
We receive commissions from insurance companies for policies sold. Commission amounts may vary by product and company, which may influence product recommendations. We strive to recommend products that best meet your needs regardless of commission levels.
No Financial Guarantees
We make no guarantees about financial outcomes, investment performance, or insurance company financial strength. Past performance does not guarantee future results. Insurance company ratings and financial strength can change over time.
Limitation of Liability
To the maximum extent permitted by Alabama law, McCorquodale Health & Life Insurance, Charles McCorquodale, and affiliated companies shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use of our services or reliance on information provided. Our total liability for any claim shall not exceed the amount of commissions received for the specific policy in question.
Contact for Questions
If you have questions about these disclaimers or need clarification about our services:
McCorquodale Health & Life Insurance
Phone: (251) 802-3700
Email: charles@alabamacares.com
Licensed in: Alabama
Serving: Dothan, Alabama and Wiregrass Region
Questions About Our Services?
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