Thank you for visiting FinalQuote.com Our goal is to be your trusted partner in the health and supplemental insurance field. We provide the tools, so that you can find your best plan, make smart health insurance decisions, and save money.
Who We Are
FinalQuote.com is owned Jones, Norris Holdings, a licensed insurance agency. You can find out more about the company’s state-specific insurance licenses below. We are a subsidiary of Health Coverage Fast.
The terms “either of us,” “we each,” or “we both” shall refer to us, on the one hand, and you, on the other.
What We Do
We provide the tools so that you can search, compare, find and apply for health insurance products. Think of us an engine of information.
We are not an insurance carrier, so we don’t underwrite your insurance and we don’t process or manage insurance claims. The insurance carrier handles those services.
We Are An Alternative To Obamacare
We believe that health insurance is not a one size fits all market. While Obamacare may meet the needs of some Americans, between the narrow networks and high premiums, it does not meet the needs of all. That’s why we are proud to offer term health insurance, an affordable, private market alternative. Term health insurance is not Obamacare, so you may be subject to the Affordable Care Act Uninsured Tax. However, there are numerous exceptions to the tax and, in many cases, even with the tax you will save money with term health.
Existing Insurance Coverage
If you’ve found a health insurance plan through us, we are thrilled that we were able to help. However, be Insurance Wise.
DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.
We own our website, information concerning us, and our services. This includes, without limitation, text, images, software, graphics, button icons, audio and video clips, digital downloads, data compilations, logos and information that appear on our website or are part of our services. We also own all copyrights, trademarks, service marks, and trade names related to us.
We may present information on behalf of or licensed from a third party. This third-party information is proprietary to its owners.
We welcome your questions, comments and feedback. Please remember that if you submit content to us, then you are legally representing that you have the right to do so. If you do not have permission, do not share information that is confidential or proprietary. By sending us your comments, you are granting us ownership to those materials, even if they include ideas to improve our site. We can share those ideas without your consent, we do not have to pay you for them, and we may already be considering them. If you prefer to retain your rights, please do not submit your material.
If you believe the content on our site violates your copyright, please let us know by following the Copyright Procedure.
How To Use Our Website
Our website is your partner and a powerful tool. We encourage you to use our site–learn, explore, search, compare, select and apply for health insurance products. Your use, however, must be for personal, non-commercial purposes. In other words, our site is intended for individuals to compare and shop for themselves and their families only.
You must also be at least 18 years old or legally emancipated with the ability to enter into contracts. And, since our website is intended for a U.S. audience, if you’re visiting our site from another country, keep in mind that you will have to comply not just with U.S. law, but the laws of that country.
The information that you provide to us must be accurate and up-to-date. Do not use our website to make false or fraudulent applications or purchases.
Do not use programs to frame our site or impede our site operations. This includes technology like “deep-links,” “page-scrapes,” “robots,” and “spiders.”
In addition, you are responsible for keeping your passwords, login and account information secret. Be Web Wise! And notify us immediately if you believe your account or information has been compromised.
Third Party Links
Sometimes our site includes links to third parties. While we hope that these sites are informative, we do not control their content. Including these links on our site is not a sign that we endorse or approve them.
You are our VIP and we hope that we become your go to health insurance site. If a dispute does arise, however, then we each agree that the laws of the State of California, U.S.A., excluding its conflict of laws rules, will govern. If the dispute is not eligible for the JAMS Alternative Dispute Resolution process, then we each agree that the claims can only be litigated in the federal or state courts of Santa Clara County, California and we each agree to these courts’ personal jurisdiction.
Disclaimer Of Warranty And Limitation Of Liability
The law requires that we set out our disclaimer of warranty and limitation of liability in all caps. This section may be long and look boring, but it’s important. Please read it.
YOU EXPRESSLY AGREE THAT USE OF OUR SITE IS AT YOUR SOLE RISK. THE MATERIAL PROVIDED ON THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE WEBSITE, ANY USE OF THE WEBSITE AND ANY WEBSITE TO WHICH THE WEBSITE IS LINKED. WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. WE DO NOT WARRANT THAT THE MATERIAL ON THE WEBSITE IS COMPLETE OR ACCURATE, THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE, OR THAT THIS WEBSITE OR SERVER OR ANY MATERIAL ON THIS WEBSITE IS FREE OF DISABLING DEVICES.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
Legal Jurisdictions Only
The sale of insurance products is governed by laws that differ from state to state. The products and services on our site are intended only for those persons in states and jurisdictions where these products and services may be legally sold. Nothing on our site shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such an offer, solicitation, purchase or sale would be unlawful.
By using FinalQuote.com, you warrant that you are at least 18 years of age and possess the legal authority to use FinalQuote.com We do not sell products to minors, but we sell them to adults.
Legal Jurisdictions Only
The insurance products and services described on FinalQuote.com are only for persons in those states and jurisdictions where such products and services may legally be sold. Nothing on the website shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.