Licensing and Disclosures
Who we are, how we are licensed and paid, and the limits of the information on this website.
About this business
QRS Life Group is an independent insurance agency, not an insurance company. Policies are issued by the insurance carriers we represent. Coverage, benefits, premiums and eligibility depend on your age, health, state of residence and the carrier's underwriting. Not all products are available in all states. This website provides general information only and is not an offer of coverage. QRS Life Group is not affiliated with or endorsed by any government agency.
Licensing
Insurance agents and agencies are licensed by each state in which they do business. You can verify a license with your state insurance department. The National Association of Insurance Commissioners lists every state insurance department.
Insurance carriers
Policies are issued and paid by insurance companies, not by QRS Life Group. The insurance company named in your policy is responsible for its guarantees and for paying claims.
How we are paid
We do not charge you a fee for quotes or advice. If you buy a policy through us, the insurance company pays us a commission, which is included in the premium the insurer sets.
About the information on this website
- The content is general education. It is not legal, tax or financial advice.
- Descriptions of policies are summaries. The policy issued to you contains the actual terms, conditions, limitations and exclusions.
- Availability, benefits and premiums vary by insurance company, by state and by your age and health. Not everyone will qualify.
- Photographs on this website are illustrations. They do not show our clients or employees.
- We are not affiliated with or endorsed by any government agency, including the Social Security Administration and Medicare.
Questions about these disclosures? Call +1 (319) 254-9055 or write to info@qrslifegroup.com.