Disclosures for Viable Quote

Effective Date: Jun 12, 2023

Viable Quote Careers Disclosures

Viable Quote Insurance Services follows all Federal, State, and Local Labor Laws, and has provided digital versions of all labor posters associated with your rights as an employee. To review these posters and find information regarding the law and your rights as an employee, please access our Federal, State, and Local Postings Page.

Life Insurance Disclosures

50% savings is based on published rates from a National Carrier as of October 2022 for a 40-year-old male in excellent health with high blood pressure for a $500,000 10-year term policy for $39.14/month ($450.00/year) compared to the lowest available rate from one of the insurance companies Viable Quote represents of $17.73/month ($209.85/year). Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

Save up to 57% – Savings are estimated by comparing the highest and lowest prices of policies available through Viable Quote in April 2021 for a $500,000, 10-year policy for a 40-year-old male in excellent health with high blood pressure in KS. The highest rate was $43.31/mo and lowest rate was $18.37/mo. Exact savings for your situation can be determined by finalizing an application with a member of the Viable Quote team. Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

$1/day claim is lowest available rate from one of the insurance companies Viable Quote represents in October 2022 for a 40-year-old male in excellent health for a $500,000 10-year policy at $17.73/mo ($209.85/year). Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Rates may also vary by term, policy amount, and state.

$1/day claim is lowest available rate from one of the insurance companies Viable Quote represents in November 2022 for a 40-year-old male in excellent health for a $500,000 10-year instant decision policy at $17.73/mo ($203.88/year). Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Rates may also vary by term, policy amount, and state.

Example rate is based on the lowest available rate from the insurance companies Viable Quote represents in November 2022 for a 40-year-old male in excellent health for a $500,000 10-year policy at $17.73/mo ($209.85/year).

Example rates are based on the lowest available rates from the insurance companies Viable Quote represents in November 2022 for a 40-year-old female in excellent health with high blood pressure for a $500,000 10-year term policy for $15.20/month ($179.90/year).

Example rates are based on the lowest available rates from the insurance companies Viable Quote represents in November 2022 for a 40-year-old female in excellent health for a $500,000 10-year term policy for $15.19/month ($178.67/year).

Shop term life insurance policies for as low as $18/month: $18/month based on available rates from the life insurance carriers Viable Quote works with for a $500,000 10-year term policy for a 40-year-old male in excellent health.

Find a $500,000 coverage 10-year term life insurance policy for as low as 60 cents a day: 60 cents a day based on a $18/month rate for a $500,000 10-year term policy for a 40-year-male in excellent health divided among 30 days in an average month.

Shop term life insurance policies for as low as $12/month: $12/month based on available rates from the life insurance carriers Viable Quote works with for a $500,000 10-year term policy for a 35-year-old female in excellent health.

Find a $500,000 coverage 10-year term life insurance policy for as low as 40 cents a day: 40 cents a day based on a $12/month rate for a $500,000 10-year term policy for a 35-year-female in excellent health divided among 30 days in an average month.

Shop term life insurance policies for as low as $15/month: $15/month based on available rates from the life insurance carriers Viable Quote works with for a $500,000 15-year term policy for a 35-year-old female in excellent health.

Find a $500,000 coverage 15-year term life insurance policy for as low as 49 cents a day: 49 cents a day based on a $15/month rate for a $500,000 15-year term policy for a 35-year-female in excellent health divided among 30 days in an average month.

Shop term life insurance policies for less than $1/day: Less than $1/day based on available rates from the life insurance carriers Viable Quote works with for a $500,000 20-year term policy for a 35-year-old female in excellent health.

Find a $500,000 coverage 20-year term life insurance policy for as low as 59 cents a day: 59 cents a day based on a $17.63/month rate for a $500,000 20-year term policy for a 35-year-female in excellent health divided among 30 days in an average month.

Shop term life insurance policies for less than $1/day: Less than $1/day based on available rates from the life insurance carriers Viable Quote works with for a $500,000 25-year term policy for a 35-year-old female in excellent health.

Find a $500,000 coverage 25-year term life insurance policy for as low as $25/month: $25/month based on available rates from the life insurance carriers Viable Quote works with for a $500,000 25-year term policy for a 35-year-old female in excellent health.

Shop term life insurance policies for less than $1/day: Less than $1/day based on available rates from the life insurance carriers Viable Quote works with for a $500,000 30-year term policy for a 35-year-old female in excellent health.

Find affordable life insurance as low as $9/month: $9/month based on available rates from the life insurance carriers Viable Quote works with for a $250,000 10-year term policy for a 25-year-old female in excellent health.

Kate – Excellent health, a 10-year, $500,000 policy for only $15 a month and Jay- 35, Excellent health, a 10-year, $500,000 policy for only $18 a month. Banner Life Insurance Company- OPTerm 10-Year: Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, Valley Stream NY. Banner products are distributed in 49 states and in DC. Banner does not solicit business in NY. OPTerm policy form #ICC18-OPTC and state variations. Two-year contestability and suicide provisions apply. The Banner term life insurance premiums quoted here are based on the information provided for this quote. Approval and actual premiums will be based upon the entire underwriting process, including but not limited to, information provided on the application, exam results and specific underwriting requirements and criteria. OPTerm 10 issue ages are 20-75 all classes. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$499,999, $500,000- $999,999, $1,000,000 and above. Premiums quoted include $60 annual policy fee. Premiums are guaranteed to stay level for 10 years and increase annually after initial guarantee period. OPTerm policies can be issued in preferred plus non-tobacco, preferred non-tobacco, standard plus non-tobacco, standard non-tobacco, preferred tobacco and standard tobacco classes. OPTerm 10 substandard policies can be issued through Table 12, subject to underwriting discretion. Coverage can be renewed to age 95. Policies can be returned without obligation within 30 days of receipt in most states. Policy descriptions provided here are not a statement of contract. All guarantees are based on the financial strength and claims paying ability of Banner Life Insurance Company. Please refer to the policy forms for full disclosure of all benefits and limitations. Rates as of 2/4/2020. Compliance #20-079.

Michael – Example rate is lowest available rate from Viable Quote carriers for a 40-year-old male in excellent health for a $500,000 10-year policy at $17.85/mo ($209.99/yr) in December 2021. Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

Jay – Jay- 35, Excellent health, a 10-year, $500,000 policy for only $19 a month. Premium is based on the assumption of great health and a preferred plus rating. Legal & General America life insurance products are underwritten and issued by Banner Life Insurance Company, Urbana, MD and William Penn Life Insurance Company of New York, Valley Stream, NY. Banner products are distributed in 49 states and in DC. Banner does not solicit business in NY. OPTerm policy form # ICC18-OPTC and state variations. Two-year contestability and suicide provisions apply. The Banner term life insurance premiums quoted here are based on the information provided for this quote. The quote is based on the assumption of excellent health and does not take into consideration occupational risks or other avocations. Approval and actual premiums will be based upon the entire underwriting process, including but not limited to, information provided on the application, exam results and specific underwriting requirements and criteria. OPTerm 10 issue ages are 20-75 all classes. Premium rates vary by coverage amount: $100,000-$249,999, $250,000-$499,999,$500,000- $999,999, $1,000,000 and above. Premiums quoted include $60 annual policy fee. Premiums are guaranteed to stay level for 10 years and increase annually after initial guarantee period. OPTerm policies can be issued in preferred plus non-tobacco, preferred non-tobacco, standard plus non-tobacco, standard non-tobacco, preferred tobacco and standard tobacco classes. OPTerm 10 substandard policies can be issued through Table 12, subject to underwriting discretion. Coverage can be renewed to age 95. Policies can be returned without obligation within 30 days of receipt in most states. Rates as of 08-11-20.

Final rates based on insurance company’s underwriting and a complete review of consumer’s health. Savings may also vary by term, policy amount, and state.

Instant decisioning is available in most cases but each application drives the underwriting experience and results, with three possible paths to coverage: Instant Approval, Accelerated Underwriting, and Full Underwriting.

Viable Quote does not sell Life Insurance in South Dakota.

Policies issued by American General Life Insurance Company (AGL), Houston, TX. AGL does not solicit, issue, or deliver policies or contracts in the state of New York. AGL is responsible for financial obligations of insurance products and is a wholly owned subsidiary of Corebridge Financial, Inc. Corebridge Financial and Corebridge are marketing names used by AGL. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state.

TruStage® Insurance products and programs are made available through TruStage Financial Group, Inc. Life insurance is issued by MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any depository institution.

Viable Quote Insurance Services has no control over rate information posted in the reviews through Trustpilot. Your plan could vary depending on your age, health, issuing company and other factors. Not available in all states.

Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.” “Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of Viable Quote or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at https://web.ambest.com/ratings-services.

Home and Auto Insurance Disclosures

Viable Quote Auto & Home Insurance Services offers insurance products and services through its licensed insurance agency, Viable Quote Auto & Home Insurance Services, LLC. Viable Quote Auto & Home Insurance Services is not an insurance company. We represent top-rated insurance companies, and receive commissions, and possibly other performance-based compensation, for our services. Products and services are not available in all states.

For a list of Viable Quote Auto and Home Insurance Services licenses, see our Legal page.

Save an average of $510 per year/More than $500 a year: Average customer savings based on an average of new Viable Quote Auto & Home Insurance policyholders between 1/9/2020-1/10/2021. Individual savings may vary, and are not guaranteed. Coverages and discounts subject to state availability and individual eligibility.

Save an average of $757 by Bundling/More than $750 a year: Average customer who bundles savings based on an average of new Viable Quote Auto & Home Insurance policyholders between 1/9/2020 and 1/10/2021. “Bundled” is classified as a customer with one auto and one home policy. Individual savings may vary, and are not guaranteed. Coverages and discounts subject to state availability and individual eligibility.

Viable Quote Insurance Services has no control over rate information posted in the reviews through Trustpilot. Your plan could vary depending on your age, health, issuing company and other factors. Not available in all states.

Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.” “Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of Viable Quote or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at https://web.ambest.com/ratings-services.

Medicare Insurance Disclosures

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE [(TTY users should call 1-877-486-2048), 24 hours a day/7 days a week] to get information on all of your options.

Viable Quote represents Medicare Advantage [HMO, PPO, PFFS] organizations and/or Medicare-approved Part D sponsors that have a Medicare contract. Enrollment depends on the plan’s contract renewal.

Enrollment in the described plan type may be limited to certain times of the year unless you qualify for a Special Enrollment Period.

Information related to DOB is not needed for Medicare Advantage and Part D plans.

Call the plan number on the back of your ID card or call Medicare at 1-800-MEDICARE (TTY users call 1-877-486-2048) to file a complaint and provide the agent or broker name if possible.

Viable Quote Insurance takes no responsibility and assumes no liability for any content posted by consumer or any third party.

By completing the contact form or calling a number on the website, you will be directed to a licensed sales agent who can answer your questions and provide information about Medicare Advantage, Prescription Drug (Part D) and Medicare Supplement insurance plans. Neither Viable Quote Senior Insurance Services nor its agents are connected with or endorsed by the U.S. government or the federal Medicare program. Availability of carriers and products are dependent on your resident zip code. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Medicare Supplement plans are not connected with or endorsed by the U.S. Government or the federal Medicare program. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and in some states to those under age 65 eligible for Medicare due to disability or End Stage Renal disease. Insured by Humana Insurance Company, Humana Insurance Company of Kentucky, Humana Health Benefit Plan of Louisiana, Inc., Humana Insurance Company of New York or Humana Health Insurance Company of Florida, Inc.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Viable Quote Insurance Services has no control over rate information posted in the reviews through Trustpilot. Your plan could vary depending on your age, health, issuing company and other factors. Not available in all states.

Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.” “Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of Viable Quote or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at https://web.ambest.com/ratings-services.