Legal Info and Terms of Use
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Legal Info and Terms of Use

Disclaimer and License Disclosure 

  • The website content is provided “as is,” and “as available,” without any guarantees or warranties, either express or implied. 
  • We don’t compel, excite, or request you to use our services. We leave all the decisions regarding using and not using of our services to your discretion. 
  • We shall not be liable for any minor or major, direct or indirect, incidental, special, or consequential damages that may arise from your use, inappropriate use, or misuse of the information or services presented by our website. 
  • We have the copyright for the website content as well as for the other characters therein. Therefore, copying or reproducing all or a part of it without our prior written permission shall be construed as a serious punishable offence. 
  • There can be some inadvertent errors on the website in the form of technical mistakes, miscalculations, misquotes, or typographical slip-ups. You are advised to corroborate the facts by directly contacting the company. We shall not be liable for any consequences arising as a result of any or all of such errors. 
  • We presume that the information you are providing us is true and correct. Under no circumstances can you hold us accountable for any discrepancies emanating from the wrong information provided to us by you, either intentionally or inadvertently. 
  • We shall not be held accountable if any hoax entity, a fraud person, or a prankster deceitfully poses as someone else and provides us his/her personal information without his/her consent. 
  • We don’t take any responsibilities for the websites that have a link on our website. You are advised to cautiously validate the information given on such websites and vigilantly evaluate their respective private policies. 
  • We assume that you have read and understood our Privacy Policy, before using our website or subscribing to any or all of our services.

This site is published for some, but not all of the residents of the United States of America. Jan Pinney is licensed to do business in all states including District of Columbia.


All companies quoted by are rated A-, A, A+ or A++ by the A. M. Best Company, an independent insurance industry analyst that bases its analysis on financial position and operating performance. Here’s a detailed explanation of A. M. Best insurance ratings.


Not all policies or companies are available in all states. Agent(s) licensed to sell policies in all 50 states and the District of Columbia . Agent license numbers listed below as required by state law in California, Louisiana, Minnesota Massachusetts and Utah:

LA agent #291116, MA agent #1674866, MN agent #20270113, UT agent #58330, Pinney Wholesale Insurance Services, agent R. Jan Pinney, DBA Pinney Wholesale

a. California residents: ExpertQuote – license number #0E77928

b. Louisiana residents: Jan Pinney – license number #291116

c. Minnesota residents: Jan Pinney – license number #20270113

d. Massachusetts residents: Jan Pinney – license number #1674866

e. Utah residents: Jan Pinney – license number #58330