Legal Notices & Disclaimer

WHO WE ARE

ProtectYourIncome.com is a website owned and operated by Intramark Insurance Services, Inc., a California corporation (“Intramark”). Intramark is licensed to do business in all U.S States and the District of Columbia. (click here for list of state licenses). Intramark’s main offices are located at 1550 West Colorado Boulevard, Pasadena, California 91105.

WHAT WE DO

We are here to provide information to assist you in making your own decisions about disability insurance. We provide general insurance information from respected independent sources, estimated insurance quotes from a wide range of insurance companies and, when customers request insurance coverage,we attempt to fulfill those requests through applications to insurance companies.

Although we are licensed as an insurance agency in the states listed (click here for list of state licenses), we do not issue insurance contracts or bind coverage. We are an insurance agency – not an insurance company. Insurance companies issue and back insurance policies. If you submit an application for insurance through this site we or one of our designated representatives will act as the agent of the insurance company offering the coverage and will follow up with you to complete the transaction.

There is no charge to you for use of our website. We are paid by the insurance companies if you purchase insurance.

Insurance Articles, Tools and Listings

Information and tools on this web site are intended to assist you in making your own decisions about insurance, but do not provide personal advice. They may not take into account such factors as your budget, assets, risk tolerance, family situation or activities, which may affect the type and amount of insurance that would be right for you. In addition, state insurance laws and insurance company underwriting rules may affect available coverage and its cost. If you need more information, or would like personal advice, feel free to speak to one of our insurance professionals.

For your convenience, ProtectYourIncome.com may provide listings to web sites maintained by insurance companies or other unaffiliated third parties. While we try to list sites that we believe are of high quality, ProtectYourIncome.com does not recommend or endorse third party sites and cannot be responsible for the information, services or products offered on those sites.

Getting Insurance Quotes and Requesting Coverage

Insurance quotes supplied through this site are not firm quotes or offers, but are estimates based on information provided or publicly available from participating insurance companies and based on the information supplied by you. Insurance rates and policies described may not be available to you due to restrictive state laws, a lack of underwriting approval by the insurance company, or other factors. Policy terms and descriptions shown on this site are summaries only, and are subject to the complete policy terms and conditions. If you do purchase insurance, please read your insurance policy and address any questions to the insurance company or to us as your representative  We will attempt to answer your questions or will refer you to the proper person at the insurance company.

Trandemarks and Copyrights

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

Disclaimer

THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. Intramark and any related, affiliated or subsidiary companies disclaim all warranties, express 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 Intramark and its related, affiliated and subsidiary companies, be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

LICENSES

We have a resident license in California and non-resident licenses to transact life insurance and/or health and disability insurance in the following states.