Terms of Use

By using this website you agree to these terms. If you do not agree, please do not use the site.

Educational purpose only

Content on this site is general information about insurance concepts. It is not insurance, tax, legal, or investment advice, and it is not an offer or solicitation of insurance in any state where Crutcher Financial Group is not licensed.

No guarantee of coverage

Submitting a form or speaking with us does not guarantee approval, rates, or coverage. Availability, eligibility, premiums, riders, benefits, and underwriting requirements vary by carrier, product, state, age, health, and other factors. Coverage is not effective until an application is approved and a policy is issued and delivered according to the carrier's requirements. Policy guarantees are subject to the claims-paying ability of the issuing insurance company.

Policy documents control

Descriptions of products on this site are summaries. The actual policy contract, including all definitions, exclusions, limitations, and charges, governs in every case.

Changes

We may update these terms and the content of this site at any time without notice.