Important Legal Information

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.

No specific company's product or products are "quoted" or referred to within this website. Rates which may be provided by fax, mail, e-mail, phone or on-line are estimates and are generally reflective of the best rates available for various annuity 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 which are based on information provided to us by you and by the various insurance companies. Final rates and contractual provisions will always be specified in the issued contract/policy.

If available, invitations for application for annuities are made through Byron Udell, d/b/a AccuQuote or Byron Udell & Associates, Inc., d/b/a AccuQuote; Wheeling, Illinois, only where duly licensed and appointed. Through Byron Udell and Associates, Inc., and/or Byron Udell personally, we are currently licensed in all 50 states and the District of Columbia.

License numbers are available upon request and are automatically provided where required. In California, Byron Udell's license number is OB72515. In Minnesota, Byron Udell's license number is 20034098. Byron Udell's license number is 876946 in Texas, and 227409 in Louisiana. No solicitation or invitation for application is currently being made in any other jurisdiction in which either Byron Udell (personally), d/b/a AccuQuote or Byron Udell & Associates, Inc., d/b/a AccuQuote 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 either Byron Udell (personally), d/b/a AccuQuote or Byron Udell & Associates, Inc., d/b/a AccuQuote, 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 rates, features, financial strength ratings, and/or other information about certain companies and products 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.

For additional information regarding third-party ratings, including the scope and extent of such ratings, click here for ratings on AccuQuote.com (opens in new window).

AccuQuote may, at it's discretion, in certain situations, refer consumers looking for annuities to annuity specialists (not employed by AccuQuote) in order to provide faster or better service. In such cases, AccuQuote will try to reasonably match the consumer with a specialist suited to provide the information the consumer is seeking. AccuQuote cannot be responsible or liable for any conduct or service provided other than that which AccuQuote provides directly.

This web site has been painstakingly 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 express or implied. Byron Udell & Associates, Inc. d/b/a AccuQuote and Byron Udell d/b/a AccuQuote, personally, hereby disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

You agree and understand that we may contact you via phone or email to follow up regarding your request for annuity in order to verify information for the purpose of giving you the most accurate quote possible.

When you fill out our quote request form you are explicitly initiating a relationship with us (as defined by the National Do Not Call Registry), inviting and consenting to the receipt of information by AccuQuote and its affiliate partners (which may be provided to you online, by fax, phone, email, US Mail, etc.) and, as such, are indefinitely waiving any right to claim that we or our affiliates contacted you without your express consent. At any time we will immediately honor any request to be placed on our internal "do not contact" list.

Under Title V of the Gramm-Leach-Bliley Act, consumers have the right to limit the dissemination of nonpublic personal information. AccuQuote maintains a strict policy against the dissemination of nonpublic personal information which may be found in the files of its clients and applicants. All AccuQuote employees are trained and aware of the confidentiality of such information. Such nonpublic 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. As such, in order to provide the high level of service our clients have come to expect, it is understood that by filling out and submitting a quote request form, or application request form, consumers are granting AccuQuote the permission to evaluate this information, and in it's sole judgment, to share it with insurance companies, their reinsurers, wholesalers, and other related parties (including the applicant) as necessary for the purpose of shopping for, evaluating, making recommendations regarding, and/or underwriting any proposed or existing life insurance coverage. Such nonpublic personal information is not used for any other purpose.

Byron Udell and/or Byron Udell & Associates, Inc., d/b/a AccuQuote (BUA) derives substantially all of its revenue through commissions earned from the sale of life insurance, annuities and other related products, provides services to it's customers on behalf of the insurer(s) and represents the insurer(s) for which any insurance applications are provided to its customers and prospects. The insurance industry is strictly regulated and extremely competitive. As such, commissions paid by insurance companies to brokers such as BUA are often similar. But they can and do vary from company to company. It is entirely possible that several competing products may be available at the same, or similar, pricing and that the sale of one of them may result in a higher total commission paid to BUA than the sale of another. That being said, at BUA, we are serious about our commitment to deliver the best value to our customers. We believe that, in order to determine which product represents the best value, we must examine the price, features, financial strength of the insurance company, as well as the availability based on your individual profile. We are also acutely aware of the fact that, as a consumer, you have many choices as to where you buy anything, including your life insurance. If we don't provide you with the best overall value, we expect that you will find someone who will. Our success as a company depends upon our continuing to deliver a superior value to our customers. We appreciate your trust, and the opportunity to earn your business.

AccuQuote bears responsibility for the content of the advertisements that AccuQuote creates, but not the method and manner of deliver of such advertisements. Notwithstanding anything in any other past or current agreements to the contrary, our advertising vendors represent that all means used to generate leads, including the serving/display of any advertisements, sending of mail, email, or telemarketing, are legal and do not violate the state or federal laws in the jurisdiction in which they are delivered. Our advertising vendors validate that all email is sent to 100% opt-in lists, and may be required to provide evidence of customer opt-in if a complaint arises. Our advertising vendors bear full liability for damages awarded and the reimbursement of AccuQuote's legal costs as a result of any legal action brought as a result of violation of any local, state or federal laws regarding the method and manner of the delivery of the message by themselves and their affiliates AccuQuote endeavors to abide by all local, state and federal laws regarding the content and delivery of electronic advertisements displayed to customers. We do this through third party providers and their affiliates and do not directly supervise or control their ultimate compliance with these policies.

The information in the website is provided "as is" and without warranties of any kind either express or implied. Byron Udell & Associates, Inc. d/b/a AccuQuote and Byron Udell, personally, hereby disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

The information contained in this website is published at Wheeling, Illinois for some, but not all the residents of the United States of America. The content herein should be deemed to be published by Byron Udell & Associates, Inc. d/b/a AccuQuote, and not any other party, including any particular insurance company(s). In no event shall Byron Udell & Associates, Inc. d/b/a AccuQuote and Byron Udell, personally be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

Byron Udell & Associates, Inc. and/or Byron Udell personally (both d/b/a AccuQuote) is not obligated to monitor any transmission made to or through any of the pages contained on this website or any website which may be linked to or from this website. However, and notwithstanding anything herein to the contrary, Byron Udell & Associates, Inc. and/or Byron Udell personally (both d/b/a AccuQuote) has the right to monitor such transmissions and to use or disclose information gathered from this site. The name "AccuQuote", the AccuQuote logo, and the slogan "Saving You Money For Life" are federally registered trademarks or service marks of Byron Udell & Associates, Inc. AccuQuote is a d/b/a for Byron Udell & Associates, Inc. and/or Byron Udell 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 copywritten by Byron Udell & Associates, Inc., and/or Byron Udell personally and may not be copied or reproduced, in whole or in part, in any form without the express written consent of Byron Udell.

Please note: Annuity products are issued by life insurance companies and are not insured by the FDIC. They are backed by the full faith and credit of the issuing insurance company.