2) That all products are not available in all states, because the insurance company listed on this site may not be licensed to do business in your state. That all products are subject to applicable regulations in your state and that specific products may not be available at all in both self-funded and insured forms.

3) That the information contained in this website is inherently limited in nature, subject to change without notice, and does not contain all the applicable terms, conditions, limitations and exclusions of the products and services referenced.