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Terms of Service

 

 

Docktor’s Insurance, Inc.
80 SW 8th Street, Ste 2043
Miami, FL 33130

1-888-773-1181 office
1-954-603-8682 fax

customerservice@lifeinsurance2day.com

customerservice@healthinsuranceace.com

customerservice@docktorsinsurance.com

Welcome to the web site of Docktor’s Insurance, Inc., DBA lifeinsurance2day.com and healthinsuranceace.com (hereinafter “We”, “Us”, “Our”) and thank you for considering Our products and services. By clicking the “I Agree” button You hereby agree to the terms and conditions of this Agreement which, along with the consideration of the mutual promises You and We make to each other, then becomes a binding contract between Docktor’s Insurance, Inc., DBA lifeinsurance2day.com, and You.

WEBSITE PURPOSE

You understand and agree that: Docktor’s Insurance, Inc., DBA lifeinsurance2day.com and healthinsuranceace.com provides only a request by You for an insurance proposal, which also initiates a business relationship between us, but in no way binds Us to providing you insurance; and that prices shown on our web site are examples only, and Your insurance quotation will vary depending on the information collected during the application process when We will follow up and verify Your information.

PRIVACY POLICY

Our Privacy Policy is located here and is hereby incorporated into this Agreement by reference. You hereby agree to abide by Our Privacy Policy at all times.

REGISTERED LIFE INSURANCE AGENT

We are registered Life Insurance Agents in the following states: Florida: Josh Docktor’s individual resident insurance license number in Florida is D062428. Docktor’s Insurance, Inc. agency license number is L016811. Josh Docktor is also registered as an agent in the following states: Montana: 739276, New Mexico: 273150, New York: LA-1179955, Kansas: 3925194, Louisiana: 529416, Pennsylvania: 596578, California: 0H32604, Texas: 1605890, and North Carolina: 3925194. Requests for Life Insurance quotations from other states will require Us to either register as an Insurance Agent in that state, or require Us to provide your information to a registered agent in Your state to contact you. A finder’s fee may be paid by this Agent to Us.

FEATURED LIFE INSURANCE COMPANIES:

Our web site will provide quotes from the following life insurance companies whose trademarks belong to their respective companies: American General Life Companies, American National,
Aviva Life and Annuity Company, Aviva Life and Annuity Company of New York, AXA Equitable, Banner Life, First MetLife , Investors Insurance Company, Genworth Life and Annuity Insurance Company, Genworth Life Insurance Company, Genworth Life Insurance Company of New York, ING ReliaStar Life Insurance Company, ING ReliaStar Life Insurance Company of NY, John Hancock, Lincoln Benefit Life, Lincoln National Life Insurance Company, MetLife, Nationwide, Protective Life and Annuity of NY (WCL), Prudential Financial, SBLI (Savings Bank Life Insurance Co of Mass), Transamerica Financial Life Insurance Co., Transamerica Life Insurance Company, United Home Life Insurance Company, United of Omaha, West Coast Life, William Penn. While We are currently appointed agents with most of these companies, quotes from companies with whom We are not currently appointed will require Us to become appointed or We will need to provide Your information to a registered agent that is licensed to sell that product. A finder’s fee may be paid by this Agent to Us.

REGISTERED HEALTH INSURANCE AGENT

We are registered Health Insurance Agents in the following states: Florida: Josh Docktor’s individual resident insurance license number in Florida is D062428. Docktor’s Insurance, Inc. agency license number is L016811. Josh Docktor is also registered as an agent in the following states: Montana: 739276, New Mexico: 273150, New York: LA-1179955, Kansas: 3925194, Louisiana: 529416, Pennsylvania: 596578, California: 0H32604, Texas: 1605890, and North Carolina: 3925194. Requests for Health Insurance quotations from other states will require Us to either register as an Insurance Agent in that state, or require Us to provide your information to a registered agent in Your state to contact you. A finder’s fee may be paid by this Agent to Us.

FEATURED HEALTH INSURANCE COMPANIES

Our web site will provide quotes from the following health insurance companies whose trademarks belong to their respective companies: AARP-branded plans, insured by Aetna, Aetna, Aetna Life Insurance Company, Altius Health Plans, Altius One, AmeriHealth – New Jersey, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Anthem Blue Cross and Blue Shield of CT, Anthem Blue Cross and Blue Shield of NH, Anthem Blue Cross and Blue Shield of VA, Anthem BlueCross BlueShield, Arise Health Plan, Arkansas Blue Cross and Blue Shield, Assurant Health, Asuris Northwest Health, Atlantis Health Plan, Blue Cross and Blue Shield of Kansas City, Blue Cross and Blue Shield of Minnesota, Blue Cross and Blue Shield of South Carolina, Blue Cross Blue Shield of Arizona, Blue Cross Blue Shield of Delaware, Blue Cross Blue Shield of Florida, Blue Cross Blue Shield of Georgia, Blue Cross Blue Shield of Michigan, Blue Cross Blue Shield of North Dakota, Blue Cross of Idaho, Blue Cross of Northeastern Pennsylvania through its subsidiary First Priority Life Insurance Company, Blue Shield of California, BlueCross BlueShield of Louisiana, BlueCross BlueShield of Montana, BlueCross BlueShield of Nebraska, BlueCross BlueShield of Tennessee, Capital Blue Cross, CareFirst BlueCross BlueShield, Celtic Ins. Co., CeltiCare Healthplan of MA, Inc., CIGNA, Clear One Health Plans, ConnectiCare Inc., Coventry, Coventry Health and Life Insurance Co. FL, Coventry Health and Life Insurance Company, Coventry Health Care of Delaware, Inc, Coventry Health Care of Georgia, Inc., Coventry Health Care of Iowa, Inc., Coventry Health Care of Kansas Inc., Coventry Health Care of Kansas Inc., Coventry Health Care of Louisiana, Inc., Coventry Health Care of Oklahoma Inc., Coventry Health Plan of Florida, Inc., Dean Health Plan, Inc., Empire, Fallon Community Health Plan, Geisinger Choice, Group Health, Group Health Incorporated, Group Health Plan, Health Alliance Plan, Health Net, Health Net of Arizona, Health Net of Oregon, Health Plan of Nevada, HealthAmerica, HealthPartners, HealthPlus Insurance Company, Highmark Blue Cross Blue Shield West Virginia, Horizon Blue Cross Blue Shield of New Jersey, Humana, IHC Group, Independence Blue Cross, Kaiser Foundation Health Plan of the NW, Kaiser Mid-Atlantic, Kaiser Permanente CO, Kaiser Permanente GA, Kaiser Permanente of CA, Kaiser Permanente of HI, Kaiser Permanente of Ohio, KPS Health Plans, LifeWise Health Plan of Oregon, LifeWise Health Plan of Washington, Lovelace Health Plans, Medica, Medica of Minnesota, Medical Mutual, MVP, My Health Alliance, ODS Alaska, ODS Health Plan, Inc., Optima Health Insurance Company, Oxford NJ, Oxford NY, PacificSource Health Plans, PacificSource Health Plans of Idaho, Personal Care Insurance of Illinois, Physicians Health Plan of Northern Indiana, Inc., Physicians Plus, PreferredOne Insurance Company, Premera Blue Cross Blue Shield of Alaska, Presbyterian, Providence Health Plan, QCA Health Plan Inc, Regence BlueCross BlueShield of Oregon, Regence BlueCross BlueShield of Utah, Regence BlueShield, Regence BlueShield of Idaho, Rocky Mountain Health Plans, Scott & White Health Plan, Security Health Plan, SelectHealth, SummaCare Inc of Ohio, UnitedHealthcare, Wellmark Blue Cross and Blue Shield of Iowa, Wellmark Blue Cross and Blue Shield of South Dakota, WellPath Select, Inc., WINhealth Partners, and WPS Health Insurance. While We are currently appointed agents with many of these companies, quotes from companies with whom We are not currently appointed will require Us to become appointed or We will need to provide Your information to a registered agent that is licensed to sell that product. A finder’s fee may be paid by this Agent to Us.

TRADEMARKS

We hereby claim Docktor’s Insurance, Inc., lifeinsurance2day.com and healthinsuranceace.com to be trademarks of Our company.

COPYRIGHT

As indicated by the notice on the bottom of Our Home Page, Docktor’s Insurance, Inc., claims a copyright to the content of this web site.

USING GOOD CITIZENSHIP IN REVIEWS, FORUMS, ETC.

You understand and agree that You will not Use Our web site to: post, email, upload or transmit any content that is patently offensive, vulgar, unlawful, threatening, defamatory, abusive, tortuous, obscene, libelous, illegal, hateful, harmful, harasses or advocates harassment of another person, invasive of another person’s privacy, exploitive of people in a sexual or violent manner, racially, ethnically or otherwise objectionable or promotes racism, bigotry, hatred or physical harm of any kind against any group or individual; Impersonate another person or post a photograph of another person as Your image; stalk or otherwise harass another; harm a minor in any way; promote commercial activities and/or sales such as contests, sweepstakes, barter, or advertising except as provided by the functionality of the Site; post, email, upload or transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, unsolicited mass mailing, chain letters, or pyramid schemes; promote an illegal or unauthorized copy of another person’s copyrighted work; upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; use software that automatically creates user identities; intentionally or unintentionally violate any applicable local, state, national or international law; post a review on a business You own, control or are employed by; post inaccurate or misleading information or pictures; or misrepresenting a product or service. You understand and agree that You are solely responsible for Your interactions with other visitors and that We reserve the right, but have no obligation, to monitor disputes between You and other visitors.

WARRANTY

YOU WARRANT THAT AT ALL TIMES YOU WILL BE IN COMPLIANCE WITH THIS AGREEMENT AND THAT YOUR USE OF ANY SERVICE OFFERED BY US WILL NOT VIOLATE FEDERAL OR STATE LAW.

OUR SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. YOU EXPRESSLY AGREE THAT USE OF ANY SERVICE OFFERED BY US IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABLITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. WE DO NOT MAKE ANY WARRANTY THAT OUR SERVICE WILL MEET YOUR REQUIREMENTS, OR THAT ANY SERVICE OFFERED BY US WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE, OR THAT DEFECTS, IF ANY, WILL BE CORRECTED; NOR DO WE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF ANY SERVICE OFFERED BY US OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH ANY SERVICE OFFERED BY US. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF ANY SERVICE OFFERED BY US IS AT YOUR OWN DISCRETION AND RISK, AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA. WE DO NOT MAKE ANY WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH OR FROM US OR ANY TRANSACTIONS ENTERED INTO BY USE OF OR THROUGH ANY SERVICE OFFERED BY US. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH ANY SERVICE OFFERED BY US SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. LIMITATION OF

LIABILITY

UNDER NO CIRCUMSTANCES, INCLUDING, WITHOUT LIMITATION, NEGLIGENCE, SHALL WE OR OUR PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR THE INABILITY TO USE ANY SERVICE OFFERED BY US, OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED, OR MESSAGES RECEIVED, OR TRANSACTIONS ENTERED INTO BY MEANS OF OR THROUGH ANY SERVICE
OFFERED BY US, OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR OTHER INFORMATION THAT IS SENT OR RECEIVED OR NOT SENT OR RECEIVED, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, USE, DATA, OR OTHER INTANGIBLES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU ALSO AGREE THAT WE SHALL NOT BE RESPONSIBLE OR LIABLE TO YOU, OR TO ANYONE, FOR THE STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OR ARISING FROM USE OF ANY SERVICE OFFERED BY US. IF YOU ARE DISSATISFIED WITH ANY SERVICE OFFERED BY US YOUR EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICE WITHOUT REFUND OF ANY KIND WHATSOEVER.

FORCE MAJEURE

Neither party shall be liable for delays or nonperformance of this Agreement caused by strike, fire or accidents, nor shall either party be liable for delay or nonperformance caused by lack of availability of materials, fuel or utilities or for any other cause beyond its control.

ASSIGNMENT

You may not assign Your rights or obligations under this Agreement without Our prior written consent.

RELATIONSHIP OF THE PARTIES

The parties to this Agreement are independent contracting entities and there is no partnership or agency relationship between them.

INTENDED FOR USERS OVER 18

Our web site is intended for use by individuals 18 years of age or older only. If You are under the age of 18 please leave this site immediately.

TERM OF AGREEMENT

Either party may terminate this Agreement at any time for any reason or for no reason; however, the rights and responsibilities granted by this agreement shall survive termination.

NOTICES TO US

All notices to Us under this Agreement shall be in writing and shall be delivered by United States Mail, registered or certified, return receipt requested, postage prepaid to the address recorded above for Us. Notices shall be deemed received on the date of actual receipt as indicated on the delivery notice or return receipt, or the date the receipt is refused.

 

GOVERNING LAW

 

The parties agree that this Agreement and its terms and conditions shall be subject to and construed in accordance with the laws of the State of Florida. The parties consent to exclusive jurisdiction and venue for any claim for enforcement of this Agreement, or any dispute arising from or related to this Agreement or use of this website, in the state or federal courts of Dade County, Florida.

SEVERABILITY

If any provision, or portion thereof, of this Agreement is held by a court of competent jurisdiction to be invalid under any applicable statute or rule of law, You understand and agree that such invalidity shall not affect the validity of the remaining portions of the Agreement and understand and agree that We may substitute for the invalid provision a valid provision which most closely approximates the intent and economic effect of the invalid provisions.

AGREEMENT

This Agreement sets forth the entire agreement between the parties. You acknowledge and agree that You have reviewed this Agreement in its entirety, and every part thereof, and that You understand the Agreement. You further acknowledge and agree that You have had the opportunity to review this Agreement and otherwise consult with Your independent counsel as to the Agreement.

ELECTRONIC NOTICES AND SIGNATURES

YOU HEREBY AGREE TO THE USE BY US OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS AND OTHER RECORDS AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED THROUGH THE SITE OR SERVICES OFFERED BY US. FURTHER, YOU HEREBY WAIVE ANY RIGHTS OR REQUIREMENTS UNDER ANY STATUTES, REGULATIONS, RULES, ORDINANCES OR OTHER LAWS IN ANY JURISDICTION WHICH REQUIRE AN ORIGINAL SIGNATURE OR DELIVERY OR RETENTION OF NON-ELECTRONIC RECORDS.

MODIFICATION

This Agreement is effective as of March 14, 2011. We reserve the right to modify this Agreement at any time. You will be notified of any material changes either by email or by a conspicuous posting on our web site. If You do not agree with the modification to this Agreement Your sole remedy is to cease doing business with Us.