Statements on this website as to policies and coverages provide general information only.  This information is not an offer to sell insurance.  Insurance coverage cannot be bound or changed via submission of any online form or application provided on this site or otherwise, via email, voice mail, or facsimile.  No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.  Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form or application and/or in other communications with us.  Please contact our office by phone to discuss specific coverage details and your individual insurance needs.  All coverages are subject to the terms, conditions, and exclusions of the actual policy issued.  Not all policies or coverages are available in every state.  Information provided on this site does not constitute professional advice; if you have legal, tax, or financial planning questions, you should contact a professional.  Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.