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Legal Notice
Please read the following legal notices carefully. Your use of this web site and associated services constitutes your agreement with the terms and conditions set forth below. These terms and conditions may be changed or updated at any time. You are responsible for reviewing them periodically for current information. Additional legal notices regarding specific products, services, as well as conditions, restrictions or disclosures may be described on "subsites" within the BuyNoExamLifeInsuranceOnline.com main web site.

Trademark/Copyright
BuyNoExamLifeInsuranceOnline.com trade name and associated logos, and combinations of the foregoing are trademarks of  Guaranteed Health & Annuity, Inc.  All trademarks, service marks, trade names and logos displayed on this site are proprietary or licensed to Guaranteed Health & Annuity, Inc., unless otherwise stated. 

The names, trademarks, service marks and logos of  BuyNoExamLifeInsuranceOnline.com and any of the companies represented by  Guaranteed Health & Annuity, Inc. may not be used in any advertising or publicity, or otherwise for any commercial use by other insurance agents and brokers. Any such use is prohibited by federal trademark and copyright law. This site is a copyrighted publication of Guaranteed Health & Annuity, Inc. 

No portion of this site or any news or information displayed on this site may be published, broadcast, duplicated, photocopied, faxed, downloaded, uploaded, distributed, transmitted or redistributed in any way for any purpose without BuyNoExamLifeInsuranceOnline.com’s prior express written permission. The content presented on  BuyNoExamLifeInsuranceOnline.com is that of Guaranteed Health & Annuity, Inc. and not necessarily that of any affiliates . However, certain content is presented by insurance carriers, agents, brokers, industry organizations, service providers and educational institutions and that content is solely that of the respective entity providing the content. 

General Disclaimer; No Warranties; Limited Liability

General Disclaimer: BuyNoExamLifeInsuranceOnline.com is a web site where small businesses and consumers can research various health insurance choices and health insurance companies. Notwithstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind, or a recommendation to purchase insurance from any particular insurance company at any particular level of benefits.   Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state.

Please contact our office at 1-800-559-9847 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone or send by fax.”

The information and materials provided are provided for general information purposes and may not be relied on as a substitute for professional or legal advice. The views or opinions expressed by the authors included such information do not necessarily reflect the views or opinions of BuyNoExamLifeInsuranceOnline.com. The information is not intended to create any legal relationship between BuyNoExamLifeInsuranceOnline.com and the user. Neither the transmission nor receipt of these materials will constitute a legal relationship between the sender and the receiver. Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy, timeliness or completeness. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation.

Third Party Practices: Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors.

Disclaimer of Warranties and Limitation of Liability: This site is provided by BuyNoExamLifeInsuranceOnline.com on an 'as is' and 'as available' basis. To the full extent permissible by applicable law, BuyNoExamLifeInsuranceOnline.com  disclaims all warranties, express or implied, including, but not limited to, implied warranties of Merchantability and fitness for a particular purpose.
Except as provided in the Privacy Policy, BuyNoExamLifeInsuranceOnline.com will not be liable to you or anyone else for damages of any kind arising from the use of this Site, inability to use this site, or circumstances beyond its control, including, but not limited to direct, indirect, incidental, punitive, and consequential damages, even if BuyNoExamLifeInsuranceOnline.comis expressly advised of the possibility of such damages. Some states do not allow limitations on warranties or certain damages. Therefore, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

In no event will  BuyNoExamLifeInsuranceOnline.com its agents or employees, be liable for any damages, losses or other expenses arising in connection with this site or use or inability to use thereof by any party, or in connection with any failure of performance, error, omissions, interruption, defect, delay in operation or transmission, computer virus or line system failure, even if  BuyNoExamLifeInsuranceOnline.com or its representatives, are advised of the possibility of such damages, losses or other expenses. BuyNoExamLifeInsuranceOnline.com's maximum liability to any user shall be the amounts paid to  BuyNoExamLifeInsuranceOnline.com for the services provided on this site. . Guaranteed Health & Annuity, Inc., is not an insurance company.  BuyNoExamLifeInsuranceOnline.com is not responsible for payment of any claims a user may have relating to insurance purchased through this site. 

BuyNoExamLifeInsuranceOnline.com periodically amends, changes, adds, deletes, updates or alters the information, including without limitation, the terms and conditions of use, at the web site without notice. In as much, BuyNoExamLifeInsuranceOnline.com does not accept any responsibility or liability for any actions taken as a result of using this information.
Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.

Do Not Cancel Any In-Force Health Insurance Until... you receive written formal approval of acceptance from the insurance company to which you are applying. Rates quoted are subject to change based on the health plan's underwriting practices and of your selection of available optional benefits, if any. All rates quoted for each insurance company are for new groups only and the rates may not apply to existing customers of the insurance company. Insurance companies may change rates and benefits without notice. All plan benefits and information displayed on this site are a general summary of the products of each insurance company. Final rate and benefit information are always determined by the health insurance company

Jurisdiction: BuyNoExamLifeInsuranceOnline.com products and services are available only in those jurisdictions where BuyNoExamLifeInsuranceOnline.com  is authorized or permitted by local law to promote or sell them. 

Your use of this site shall be governed in all respects by the laws of the state of Texas, U.S.A., without regard to choice of law provisions. You agree that jurisdiction over and venue in any legal proceeding directly or indirectly arising out of or relating to this site (including but not limited to the purchase of BuyNoExamLifeInsuranceOnline.com products) shall be in the state or federal courts located in Harris County, Texas.

Licensing 
Guaranteed Health and Annuity, Inc. 6666 Harwin Dr. Ste. 460 | Houston, Texas 77036, Licensed under the Texas Department of Insurance: Licensing Division, MC 107-1A 333 Guadalupe P.O. Box 149104|Austin, Texas 78714-9104|512-322-3503|www.tdi.state.tx.us

License Number: 14642236 

Agents: 

Tazeen Khan 

License Number: 1193693   NPN: 7392871 

Arif Rahim 

License Number: 948115

 

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