LEGAL NOTICES
Copyright 2008-19 Kovalev Insurance Agency, Inc. All rights reserved worldwide.
Special Disclaimer: This information is not an offer to sell insurance. 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.
Insurance products are subject to terms, conditions and exclusions not described on this
web
site.
The insurance and annuity products and services described on this website are not
offered in all
states. Coverages, exclusions, limitations, policy terms and conditions, and eligibility
for
insurance or discounts, may vary from state to state and each are subject to the
underwriting
guidelines and rules in effect for the relevant state at the time of purchase.
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. Clients should consult
with
their licensed agent as to how these coverages pertain to their individual situation.
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
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.
We do not independently verify, nor do we seek independent verification of comments and
statements that may be posted by others in blog or social media posts on this site or
affiliated
social media sites regarding our website, its products or services. For this reason, if
others post
"success story" or "best-case" scenario testimonials (as distinguished from subjective
opinions),
you should assume that their results are NOT typical.
We provide links to other sites from this website for your convenience. We do not
endorse these
sites and they are not under our authority. We are not responsible for the information
these
linked sites provide or for the use you make of them.
All trademarks, service marks, trade names, trade dress, product names and logos
appearing
on the site are the property of their respective owners. Any rights not expressly
granted herein
are reserved.