Terms of Service

Terms and conditions for using McCorquodale Health & Life Insurance services

Last Updated: January 2025

Agreement to Terms

By accessing and using the services of McCorquodale Health & Life Insurance, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services or website.

Services Provided

McCorquodale Health & Life Insurance provides:

  • Insurance Brokerage Services: Life insurance and supplemental health insurance consultation and sales
  • Educational Resources: Information about insurance products and financial planning
  • Quote Services: Comparison shopping for insurance products from multiple carriers
  • Customer Support: Ongoing service for existing policyholders

Licensed Agent: Charles McCorquodale holds an Alabama Insurance License and is a HealthMarkets Licensed Agent.

Important 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 or that coverage will be issued at quoted rates.

Not Legal or Tax Advice

Our services do not constitute legal, tax, or investment advice. You should consult with qualified professionals for advice specific to your situation.

Information Accuracy

While we strive to provide accurate information, insurance products and regulations change frequently. Always refer to the actual insurance policy for complete terms and conditions.

User Responsibilities

When using our services, you agree to:

  • Provide accurate and complete information on all applications and forms
  • Disclose all material facts that may affect insurance coverage
  • Pay all premiums and fees as required by your insurance policies
  • Notify us promptly of any changes in your circumstances
  • Use our website and services in compliance with applicable laws
  • Respect the intellectual property rights of others

Alabama Insurance Regulations

Our services are governed by Alabama insurance laws and regulations, including:

  • Alabama Insurance Code Title 27
  • Alabama Department of Insurance regulations
  • National Association of Insurance Commissioners (NAIC) guidelines
  • Federal insurance and privacy regulations

Consumer Protection: Alabama residents have specific rights under state insurance laws. Contact the Alabama Department of Insurance at (334) 269-3550 for information about your rights or to file a complaint.

Limitation of Liability

To the maximum extent permitted by law, McCorquodale Health & Life Insurance shall not be liable for:

  • Indirect, incidental, special, or consequential damages
  • Loss of profits, data, or business opportunities
  • Damages resulting from insurance company decisions or actions
  • Technical issues with our website or communication systems
  • Delays in processing applications or claims

Our total liability for any claim shall not exceed the amount of commissions received for the specific policy in question.

Privacy and Confidentiality

We are committed to protecting your privacy and maintaining the confidentiality of your personal information. Please review our Privacy Policy for detailed information about how we collect, use, and protect your data.

Termination

We reserve the right to terminate or suspend our services to any user who violates these terms or engages in fraudulent or illegal activities. You may terminate your relationship with us at any time by providing written notice.

Governing Law

These Terms of Service are governed by the laws of the State of Alabama. Any disputes arising from these terms or our services shall be resolved in the appropriate courts of Alabama.

Changes to Terms

We may update these Terms of Service from time to time. We will notify you of any material changes by posting the updated terms on our website. Your continued use of our services after any changes constitutes acceptance of the updated terms.

Contact Information

If you have questions about these Terms of Service, please contact us:

McCorquodale Health & Life Insurance

Phone: (251) 802-3700

Email: charles@alabamacares.com

Licensed in: Alabama

Serving: Dothan, Alabama and Wiregrass Region

Questions About Our Terms of Service?

We're here to help clarify any questions about our services and terms.