Disclosure, Privacy Policy & Terms

TERMS OF USE

The Terms of Use is an Agreement between you and CompareFEGLI.com. By using this website, associated sites, hardware, software, or by accessing any of the services provided through this website, you agree to these Terms of Use in full. You also agree to provide current, true, accurate, and complete information when requested by this website. Should you not agree with any portion of these Terms of Use in full, including the terms expressed in our Privacy Policy, then you must cease use of the website immediately and must not submit information to the website.
Before each use, please consult these Terms of Use carefully. Content on this website is subject to change, and your use of this site after such changes are implemented constitutes your acknowledgment and acceptance of the changes. This website is provided by CompareFEGLI.com and Bedrock Financial Services, LLC, (hereafter referred to collectively as “CompareFEGLI.com”). These Terms of Use apply exclusively to your access to, and use of, this website and does not alter in any way the terms or conditions of any other agreement you may have with CompareFEGLI.com.

DISCLAIMER STATEMENT

CompareFEGLI.com is not affiliated with OFEGLI, the Office of Personnel Management or any U.S. Government Agency.

CompareFEGLI.com and its affiliates make information on this website available as a service to its visitors, and we provide no warranty as to the accuracy of the information provided.

CompareFEGLI.com reserves the right to withdraw or prohibit access to the site at any time and to revise the software, products, services, and information described on this site, at any time without notifying users.

CompareFEGLI.com disclaims any responsibility for information received or extracted from any links contained on this site. You agree that should you be located in a jurisdiction where free investment, insurance advice, or insurance quotes are regulated by law, that you will comply with such law and will limit or refrain from the use of such advice or quotes as required by law.

The information presented on CompareFEGLI.com is not an offer to sell insurance or any other investment listed on this site or in any material provided on the site. The material contained in this website is for informational and educational purposes only and is only intended to provide a general description.

Insurance coverage cannot be bound or changed via submission of any form/application on this site, e-mail, voicemail or facsimile. No binder, insurance policy, change, addition, and deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent.
Clients must consult with their licensed agent or financial advisor as to how coverage outlined in this site pertains to their situation. None of the information provided herein should be construed as legal, tax, financial planning, or other professional advice.
The information in the website is provided “as is” and without warranties of any kind either expressed or implied. CompareFEGLI.com disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
All coverages are subject to the terms, conditions, and exclusions of the actual policy issued. Not every policy or coverage is available in every state.

The information contained on this website is believed to be accurate, and we make every effort to minimize errors. However, information and rates can change quickly, therefore we cannot guarantee the accuracy of the information provided. Should you find an error, or inaccuracy, please inform us at [email protected]

The information provided on COMPAREFEGLI.COM and the amount of potential savings are based on reported 2017 FEGLI rates along with life insurance rates that may or may not still be valid or available in your State or applicable to your particular circumstance. You may not qualify for life insurance or may be required to pay more than the amount illustrated. All hypothetical savings illustrated are based on a Term Policy for a 40-year old female, residing in Arizona, of Standard Health through _____________ Carrier. Past performance and costs will not be identical to your cost of insurance. Your costs for insurance could be more than those illustrated here. Rates provided in this manner are must be viewed as estimates and are not intended to be firm quotes or offers. Rates and availability are subject to underwriting guidelines and approval by insurance companies. Criteria to qualify for life insurance policies will vary greatly among insurance companies.

Any and all required illustrations, applications, supplemental forms, and other documents necessary to evaluate and apply for life insurance coverage will be provided as soon in the process as they become necessary. Policy forms vary by state.

Please contact our office at (888) 483-2848 or send an email to [email protected] to discuss specific coverage details and your insurance needs.

Limitation of Liability

IN NO EVENT SHALL COMPAREFEGLI.COM, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS BE LIABLE FOR ANY INCIDENTAL, DIRECT, SPECIAL, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, LOSS OF USE, LOSS OF PROFITS, OR LOSS OF DATA, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEBSITE OR THE MATERIALS CONTAINED ON, OR ACCESSED THROUGH, THIS WEBSITE.

Indemnity

You will indemnify and hold CompareFEGLI.com, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (the “Indemnified Parties”) harmless from any breach of these Terms of Use by you, including any use of content other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any, and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of this site. Further, in exchange for using this site, you agree to hold CompareFEGLI.com and its affiliates harmless against any claims for damages arising from any decision you make based on information provided herein and related to life insurance.

Security

You are prohibited from using any services or facilities provided in connection with this site to compromise security or tamper with system resources and accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, CompareFEGLI.com reserves the right to release your details to system administrators at other sites to assist them in resolving security incidents. CompareFEGLI.com reserves the right to investigate suspected violations of these Terms of Use.
CompareFEGLI.com reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing CompareFEGLI.com to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms of Use.
BY ACCEPTING THIS AGREEMENT, YOU WAIVE AND HOLD HARMLESS COMPAREFEGLI.COM FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY COMPAREFEGLI.COM DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER COMPAREFEGLI.COM OR LAW ENFORCEMENT AUTHORITIES.
Applicable Law
These terms and conditions shall be governed by and construed in accordance with the laws of the State of Arizona without regard to its choice of law principles to the contrary. You agree that any action at law or in equity arising out of or relating to these terms and conditions shall be filed only in, and resolved in, the federal or state courts in the State of Arizona, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding arising out of this Notice.

Termination

Notwithstanding any of these terms and conditions, CompareFEGLI.com reserves the right, without notice and in its sole discretion, to terminate your license to use this website, and at any time to block or prevent future access to and use of this website.

Severability

If any provision of these terms and conditions shall be deemed unlawful, void, or for any reason is unenforceable, then that provision shall be deemed severable from these terms and conditions and shall not affect the validity and enforceability of any remaining provisions. If you have any questions about this legal notice or the above Terms of Use, please contact your legal counsel.

Legal Disclaimer

All text and information provided on or through this site is protected by federal copyright law and may not be duplicated, published, broadcast, photocopied, faxed, mailed, uploaded, distributed, transmitted or redistributed in any manner for any purpose without prior written authorization by CompareFEGLI.com.
This site is for informational purposes only and is provided without charge to individuals who may seek information regarding life insurance.
CompareFEGLI.com does not assume any responsibility for any information received or extracted from any links. You agree that if you are located in a jurisdiction where free insurance advice or insurance quotes are limited or regulated by law, you will limit or refrain from the use of such advice or quotes as required by law, you will comply with such law.
COMPAREFEGLI.COM is a lead generation system, and the information you provide to CompareFEGLI can be provided to licensed, independent, insurance professionals (herein after “Professional”). By providing COMPAREFEGLI.COM any contact information, you are expressly requesting to be contacted by such Professional by telephone, email, mail or any combination thereof, based on the information you provide. You acknowledge that such contact cannot be considered SPAM and cannot be considered in violation of the Do-Not-Call Registry. COMPAREFEGLI.COM disclaims any liability and denies any responsibility for the actions taken or not taken by your chosen insurance Professional. COMPAREFEGLI.COM disclaims any responsibility regarding the Professional’s qualifications as it relates to your specific financial needs. You acknowledge that you are solely responsible for determining the suitability and availability of any product you purchase for life insurance. Usage of any part of COMPAREFEGLI.COM’s tools, website, material, literature, content, etc. binds you to an acknowledgement that COMPAREFEGLI.COM must not be held liable for any eventuality taken or not taken by you as it pertains to your Federal Employee Group Life Insurance or any other federal employee benefit and or any private market solution that you choose to purchase.

NPN: 16189207

PRIVACY STATEMENT

CompareFEGLI.com is committed to keeping all of your personal information secure. This privacy statement explains the protection, uses, and benefits of the information provided by you to ensure your peace of mind through every step of the application process.

Web Site Use

CompareFEGLI.com provides the Services for users of this Site to provide information and relating to insurance and other products offered by CompareFEGLI.com and its affiliates. The information contained on this Site is provided solely for informational purposes only and is not intended to be a solicitation or an offer to sell any product or service, nor is the information a complete description of all terms, conditions, and exclusions applicable to the products and services described. CompareFEGLI.com is not engaged in rendering legal, tax or investment related advice. You are not a client of CompareFEGLI.com merely by visiting this Site. Your insurance needs are unique to your particular circumstance, and CompareFEGLI.com does not purport, using this Site, to offer information appropriate or suitable to you. For complete descriptions of the terms, conditions, and exclusions of insurance coverages or other products or services, please contact your independent insurance agent or broker. Products and services referenced herein may not be available in all jurisdictions.

What information is gathered and how is it used?

The questions we ask on our site are used only to help you gain a better understanding of the types of savings that might be available to you. Each insurance company prices their policies differently, based on their specific underwriting guidelines. For this reason, after CompareFEGLI.com receives your information, a licensed insurance agent will review your submission and follow up with you directly to assist you in securing coverage for you and your family.
Should you have any questions regarding the personal information submitted to CompareFEGLI.com, please call us at (888) 483-2848 or email us at [email protected] .

Does CompareFEGLI.com share my personal information with other companies?

We do not share your information with any third party for any reason, except to help you obtain life insurance. In times of high lead volume or when we deem it geographically desirable, we will share the information you submitted to us and your quote request details, including your name, date of birth, gender, and email address with affiliate agencies or licensed representatives and Professionals so that they may contact and assist you with your life insurance needs. Rest assured that your quote request at our site will never be shared by us with more than one life insurance representative, agency or Professional

When does CompareFEGLI.com provide my personal information to Insurance companies?

Only when you explicitly authorize us to begin the application process for the policy and carrier you choose. Even then, you will receive the formal paperwork to review and sign before any information is shared with the carrier of your choice.

Once I authorize its release, how will the Insurance companies use my information?

Any personal information gathered by CompareFEGLI.com is used only for the process of qualifying you for Insurance products. Your information, where permitted or required by law, may be used to request credit, medical and/or driving records from a third party. This information is used for underwriting the application in accordance with your authorized and signed disclosures and releases. These authorizations are included with your application.

Will you contact me if I’m on the National Do Not Call Registry?

If you do not wish to be contacted, you should not submit your information to CompareFEGLI.com. Although we do not wish to make contact with individuals or companies that are not interested in receiving information or entertaining the possibility of obtaining insurance through our firm. When you provide your information to CompareFEGLI.com, you are explicitly initiating a relationship with us, inviting and consenting to the receipt of information (which may be provided to you online, by fax, phone, email, US Mail, etc.) and, as such, are waiving any right (including claims under the Telemarketing Sales Rule), extending in perpetuity, to claim that we contacted you without your express consent. Upon request, we will immediately honor any request to be placed on our internal “do not contact” list.

Does CompareFEGLI.com use “cookies”?

Yes. To personalize your experience on our website and to enhance security, we may assign your computer browser a unique random number known as a “cookie.” Cookies strengthen security by allowing us to identify you should you wish to access your personal profile upon returning to our site. Cookies also allow the site to display the proper pages and forms appropriate to your profile.
Your privacy and security are not compromised when you accept a cookie from CompareFEGLI.com. We do not use cookies to collect any personally identifying information, and a cookie cannot read data from your computer’s hard disk or read cookie files from other websites.

Other Information We Collect

Some non-identifiable information about you may be gathered by tools on our website, such as Google Analytics. This information is never identifiable for purposes of solicitation or contacting you; rather, it used for compiling statistical data about visitors to our website. We may also allow other statistical collection software to access information such as operating system types, types of browsers used, and URL addresses. However, this information is not personally identifiable and is used only to compile statistical data about internet usage. You will not be contacted or identified in any way through the collection of this information.
At times, we use Google Analytics remarketing codes to log when users view specific pages or take specific actions on a website. This allows us to provide targeted advertising in the future. If you do not wish to receive this type of advertising from us in the future, you can opt out of Google targeted ads by using the Network Advertising Initiative opt-out page.

What Happens if I Fill Out the Instant Quote Request Form?

You will immediately see the quotes you requested. You can get as many instant quotes as you like. One of our representatives and/or affiliates typically will call you and/or email you within 24 hours to ensure the accuracy of the quote you received. We find many of our site’s visitors don’t know which health class to quote themselves at, or may need assistance determining the amount or type of life insurance policy needed, which is the purpose of our contact.
Completion of any quote request form on this website implies the establishment of a business relationship and gives us or our affiliate the right to contact you via phone or email.
If you have any questions regarding our Privacy Policy, our website, or any other aspect of the services we offer, please email us at [email protected] or by mail at 10869 N. Scottsdale Road, Suite 103-272, Scottsdale, AZ 85254

Changes in this Privacy Statement

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.