Please read the following legal notice
carefully. By using this web site, you agree to the terms and conditions set
forth below. These terms and conditions may be revised at any time. You are
bound by such revisions and should therefore review this notice from time to
time for current information. Additional legal notices regarding specific
products, services, as well as conditions, restrictions or disclosures may be
described on other sites within our main web site. Term Insurance Agency and
Coleman Insurance Services Term Insurance Agency and Coleman Insurance Services
offer life insurance and annuity products and services. Unless otherwise
indicated, the products and services are available in the U.S. only and not all
products or services are available in all locations. Trademarks/Copyrights All
trademarks, service marks, trade names, logos and icons, registered or not, are
the property of Robert M. Coleman dba Term Insurance Agency and Coleman
Insurance Services. Other materials on this web site, including video, sound
recordings and images, are a copyright of or proprietary to us or are used with
the consent of the owner. The contents of this site are protected by copyright,
trademark or other intellectual property laws of the U.S. You may copy or print
materials from this site for your noncommercial, personal use unless otherwise
indicated. You must retain any and all proprietary or copyright notices. You
may not copy, transmit, distribute, modify, reuse, sell or display any of the
contents of this web site for any public or commercial purpose except with our
prior written consent of or the owners of the materials. Nothing contained on
this web site should be construed as granting any license or right to use any
trademark displayed on this web site without the express written permission of
Robert M. Coleman. Unauthorized use may violate copyright, trademark and other
laws. Disclaimer The materials and services on this web site are provided
"as is" and for information purposes only. We make no representations
or warranties that the materials are suitable for your needs, are complete,
timely, reliable, or are free from errors or inaccuracies. This web site is not
intended to offer financial, legal or tax advice. You should consult your own
advisors for advice about your specific situation. We disclaim all warranties,
express or implied, including, but not limited to, implied warranties of
merchantability or fitness for a particular purpose or non-infringement of
other's rights. We do not warrant that the web site nor functions contained in
the materials will operate uninterrupted or error free or are free from
viruses, worms or other destructive or harmful code. Links from this site to
other sites are provided for users' convenience only. We do not control or review
these sites nor does the provision of any link imply an endorsement or
association of such sites. Robert M. Coleman is not responsible for and makes
no representation or warranty regarding the contents, completeness or accuracy
or security of any materials on such sites. If you decide to access such other
sites via links provided, you do so at your own risk. Jurisdictional Issues
Unless otherwise expressly set forth herein, We make no representation that
materials on this web site are appropriate or available for use in all
locations. Except as expressly set forth herein, the information contained on
this web site is not an offer to sell or a solicitation to buy any security,
insurance product or service by us. No security, insurance product or other product
or service is offered or will be sold by us in any jurisdiction in which such
offer or solicitation, purchase or sale would be unlawful under the securities,
insurance or other laws of such jurisdiction. Limitation of Liability To the
fullest extent permissible under applicable law, In no event shall we be liable
to you for damages of any kind whatsoever including, but not limited to,
direct, indirect, consequential, special, incidental, including without
limitation, lost profits or damages resulting from lost data or business
interruption, or punitive damages of any kind whatsoever that may result from
your use of or inability to use this web site or the materials or services
provided on this web site or the products or services received from this web
site. Exemptions of implied warranties may not be allowed in all jurisdictions.
In such case, in no event shall our total liability to you for all damages,
losses, and causes of action exceed the amount paid by you, if any, for
accessing this web site.
NOTICE OF PRIVACY POLICIES AND INSURANCE INFORMATION PRACTICES OF
Term Insurance Agency/Coleman Insurance Services
It is our top priority to protect the privacy of our consumers. Because of
this, we have established privacy policies and practices to protect the
security, confidentiality and integrity of nonpublic personal information
contained in our records. The following notice describes our policies and
practices with regard to collecting and disclosing nonpublic personal
information about you, our consumer.
Security, Confidentiality and Integrity of Your Nonpublic Personal
We protect your nonpublic personal information. We maintain appropriate
administrative, technical and physical safeguards to ensure the security,
confidentiality and integrity of your nonpublic personal information contained
in our records. We restrict access to your records to our employees on a
need-to-know basis only in order that they may provide products or services to
Categories of Information That We Collect
We collect nonpublic personal information about you from the following
1. Applications or other forms you complete, such as your name, address, social
security number, income and beneficiaries;
2. Your business dealings with us, our affiliates and other companies, such as
your policy coverage, premiums and payment history;
3. Consumer reporting agencies, such as your creditworthiness and credit
4. Our website, if we have any.
We may obtain nonpublic personal information about you from organizations in
the business of assembling or collecting information primarily to provide us
with consumer reports, to assist us in detecting fraud or to perform other
similar services for us. Such organization may retain your nonpublic personal
information and may disclose your nonpublic personal information to other
Categories of Information That We May Disclose
We may disclose all the information that we collect about you.
Categories of Parties to Whom We May Disclose Information
We may disclose nonpublic personal information about you to our affiliates to
market products or services to you without obtaining your prior authorization.
You cannot prevent this type of affiliate-sharing of information. We may
disclose your nonpublic personal information to nonaffiliated third parties as
reasonably necessary to perform their business, professional or insurance
function for us or pursuant to their proper regulatory or governmental
authority. We do not need to obtain your prior authorization with respect to
these disclosures. We may also disclose nonpublic personal information about
you to other nonaffiliated third parties as permitted or required by law.
Access and Amendment of Your Records
You have the right to access and amend your records. You may exercise this
right by requesting to us in writing to access and/or amend your records.
Please send such requests to our address below:
Term Insurance Agency/Coleman Insurance Services
P.O. BOX 10457, Santa Ana, CA 92711-0457
We will process your request or, if we cannot process your request for whatever
reason, notify you of our response, within thirty (30) days from the date of
receipt of the written request from you or your authorized agent.
We reserve the right to change our privacy policies and insurance information
practices. If we make any changes to our policies or practices, we will provide
you with a copy of a revised notice as required by applicable law.
We do not render legal or other professional advice. If you need to rely on
legal advice or wish to confirm the accuracy of this information, you must seek
the opinion of a qualified attorney.
The Medicare supplement products offered here are from insurance companies we contract with to provide a trusted source of supplemental coverage. However, to get a complete list of Medicare Advantage, Part D and other plans, visit www.medicare.gov
or call 1-800-MEDICARE.
We and the licensed agents that may call you are not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov
The Website serves as an invitation for you, the customer, to inquire about further information regarding Medicare Supplement Insurance, and submission of your contact information constitutes permission for a representative to contact you with further information, including complete details on cost and coverage of this insurance.
Not connected with or endorsed by the United States government or the federal Medicare program.
Medicare has neither reviewed nor endorsed this information. This website and its contents are for informational purposes only.