Legal Notice & Disclaimer

Legal Notice and Disclaimer

Top Quote Life Insurance is a service mark of independent life insurance agent Jeffrey R. Manola, licensed to sell life insurance products.

All materials and information on this website are provided ”as is” and without warranties of any kind either expressed or implied. Jeffrey R. Manola, Top Quote Life Insurance, disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchant ability 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 Jeffrey R. Manola, Top Quote Life Insurance, 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. assumes that you are submitting accurate information on your own behalf, and is not responsible for information you have submitted for someone else with or without this party’s consent.

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Life Insurance Rates

The information used in all insurance rate quotes have been taken from the rate cards which life companies routinely publish and distribute to life agents and brokers. To the best of Jeffrey R. Manola’s  ability, he has done everything he can to ensure that the insurance rate information contained in any insurance rate quotes is up-to-date and accurate. However, he cannot guarantee accuracy.

All quotes are for illustration purposes; actual premiums and coverage will be based on age, health history, certain underwriting criteria, location, sex and tobacco usage. Not all policies or companies are available in all states. Federal copyright law prohibits commercial use by other agents, brokers and parties marketing insurance products or information.

In the event that there is a discrepancy between the information contained in the insurance rate quotes, and any insurance company-authorized illustration and/or policy, the policy shall govern.

Copyright Notes

Unless otherwise noted, the graphic images, buttons, layout, and text contained in this website are the exclusive property of Jeffrey R. Manola,, and it’s related, affiliated and subsidiary companies, and may not be copied or distributed, in whole or in part, without the express written consent of Jeffrey R. Manola, Top Quote Life Insurance. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use.

Date Protection

Jeffrey R. Manola has the right but is in no way obligated to monitor any transmission made to and for this web site, web pages and news groups. Jeffrey R. Manola may use or disclose information gathered from the site.

Product Restrictions

Insurance policies subject to underwriting restrictions. Suicide provisions may apply. Policies and some life insurance carriers may not be available in all states.

Contact Us

If you have any questions regarding this document, our procedures and policies, this site, or your relationship with us, please contact us at the address below.

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