Term Life Insurance

Disclaimers

• In order to place insurance, Marsh enters into agreements commonly called "agency agreements" which authorize Marsh U.S.Consumer,a service of Seabury & Smith, Inc. to solicit the sale of the insurers' products and sets forth the terms of trade between Marsh U.S.Consumer,a service of Seabury & Smith, Inc. and the insurers. As part of Marsh's best practices we are disclosing the following information regarding our compensation on your health insurance policy. If you elect to apply and the application is medically approved and issued by the carrier, Marsh U.S.Consumer,a service of Seabury & Smith, Inc. will be paid commissions on the first year premium as well as the renewal premium should you elect to renew the policy in the future. The following grid shows you the percentage commission Marsh U.S.Consumer,a service of Seabury & Smith, Inc. will receive:

  All Insurance Companies

  50% of first year premiums less $35 per policy

  The base medical rates filed by the carriers with the state agencies are the same rates provided to you. State law mandates that the premium charged to the insured be consistent regardless of whether you purchase through an agent/broker or go directly to the insurance company. The above commission percentages may differ in some states and all carriers are not available in all states. By clicking "Get Quote", you are acknowledging and consenting to the above terms. You can count on Marsh U.S.Consumer,a service of Seabury & Smith, Inc. to offer high quality health insurance programs that will meet you and your family's needs. Marsh & McLennan Companies, Inc. and its subsidiaries own equity interests in certain insurers and have contractual arrangements with certain insurers and wholesale brokers. Information regarding such interests and contracts is available at http://global.marsh.com/about/Transparency.php Your premium payment indicates your consent to this commission for this policy period and subsequent renewals, including any changes in commission rates at any such renewals.