Legal Information     

We believe the information provided on this web site to be accurate, and we make every effort to minimize errors. However, since both humans and computers are subject to mistakes, and since information and rates can change quickly, we cannot absolutely guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please inform us.

Rates that may be provided by fax, mail, e-mail, or phone or on-line are estimates and are generally reflective of the prices for the best rate classes available for various life insurance products as of the date that any rate comparisons are prepared by us. Rates provided in this manner are not firm quotes or offers, but rather estimates that are based on information provided to us by you and by the  insurance company. Rates and availability are subject to underwriting approval by the insurance company. All required illustrations, applications, supplemental forms, and other documents necessary to evaluate and/or apply for life insurance coverage will be provided as soon in the process as they become necessary.

Rates on most level term life insurance plans will typically increase annually after the initial guarantee period ends. Initial guarantee periods vary, and typically range from 1 to 30 years, depending upon the product you select. Suicide, misstatement, and misrepresentation restrictions may apply. An insurer without prior notice may change availability of premium rates and policy forms.

If available, invitations for application for life insurance are made through Vendex only where duly licensed and appointed.

No solicitation or invitation for application is currently being made in any jurisdiction in which Vendex is either not licensed and/or appointed with the company(s) whose rates are provided, illustrated and/or approximated by phone, fax, mail or e-mail.

If information is provided inadvertently to any person or company in a jurisdiction in which Vendex, is either not duly licensed and/or appointed, such information should be discarded (and treated as a clerical error) and you should seek a qualified, licensed, and appointed representative to assist you.

We may occasionally provide premium rates, features, financial strength ratings, and/or other information about certain companies and products for which we are not appointed to sell. This information is provided as a courtesy and should not be construed as a solicitation or invitation for application for the sale of such products.

With respect to application requests, the application request form is not an application, but rather a request for an application.

Vendex maintains a strict policy against the dissemination of non-public personal information which may be found in the files of its clients and applicants. All Vendex employees are trained and aware of the confidentiality of such information. Such non-public personal information is routinely provided by consumers to life insurance companies and related individuals including, but not limited to, their agents, wholesalers, and reinsurers, all of whom need this information in order to evaluate their inquiries, provide accurate price quotations, and underwrite their applications for coverage. It is understood that by filling out and submitting a quote request form, or application request form, consumers are granting Vendex the permission to evaluate this information. And in Vendex’ sole judgment, to share it with insurance companies, their reinsurers, wholesalers, and other related parties (including the applicant) as necessary for the purpose of, evaluating, making recommendations regarding, and/or underwriting any proposed or existing life insurance coverage. Such non-public personal information is not used for any other purpose.

The underwriting (risk assessment) will not begin until after the completed, hard-copy, signed application is received by the insurance company.

In conjunction with any formal application for insurance, except as may be provided in a properly-executed Conditional Receipt, no coverage is in force until the insured has received the issued policy, paid the premium and completed any other policy delivery requirements that might be required by the insurance company. If there is any question, concern or ambiguity regarding this issue, please refer to the language on the insurance company's application form.

Vendex herein advises all proposed insureds NOT to cancel any existing coverage UNTIL they have received their new policy from the issuing company and found it to be satisfactory. Even if you are applying for coverage to replace an existing policy, NEVER cancel the existing coverage until the new policy is approved, in force, delivered and paid for.

Free look on all policies: Vendex provides 10 days to look over any new policy and if, for any reason, you decide to cancel the policy within 10 days after receiving it, you will receive a full refund of all premiums paid, no questions asked. This web site has designed with the intention of providing as much information as possible, to consumers who seek to educate themselves and make informed decisions about their life insurance. However, since each individual's situation is different, none of the information provided herein should be construed as legal, tax, financial planning, or other professional advice. Only after a thorough review of your individual needs and circumstances can specific professional advice ever be appropriately provided.
The information in the website is provided "as is" and without warranties of any kind, either expressed or implied. Vendex, personally, hereby disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

The information contained in this website is published at North Vancouver, BC for some, but not all the residents of the Canada.

In no event shall Vendex, personally be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

Vendex is not obligated to monitor any transmission made to or through any of the pages contained on this website or any website that may be linked to or from this website. However, and notwithstanding anything herein to the contrary, Vendex has the right to monitor such transmissions and to use or disclose information gathered from this site. The name “Vendex”, the Vendex logo, is a service of Vendex personally.

All content, pages, data, and designs contained in this web site (with the exception of Insurance Company names and logos which are the exclusive property of the respective insurance companies) are copy written by Vendex personally and may not be copied or reproduced, in whole or in part, in any form without the express written consent of Vendex. © Vendex 1995 -> 2002

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