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
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
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
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 ->
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