Stephen R. Maddox is an Agent, licensed to sell life insurance products in most states, but not outside of the United States. This site is published for residents of United states of America.
Information on this web site is provided "AS IS" without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. Quote on this site is an estimate. It is neither a contract nor an offer. Your actual premium may differ from this quote. It will be determined by the agent and the insurance carriers, after reviewing your information and the underwriting process is completed according to company's guideline. We can not guarantee for any accuracy. Not all policies are available in all states.

IN NO EVENT STEPHEN R. MADDOX WILL BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES ARISING OUT OF ANY USE OF THIS WEB SITE, OR ANY OTHER HYPER-LINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES.

Information on this web site may contain inaccuracies or errors. Information may be changed or updated without notice. We have no obligation to update information presented on this web site, so information contained herein may be out of date at any given time. We may also make improvements and/or changes in the products and/or programs described in this information at any time without notice.

Product Restrictions
Policies not available in all states. Suicide, misstatement, and misrepresentation restrictions may apply. All applications for insurance are subject to underwriting qualification by the specific insurance company to which the application is submitted. Availability of premium rates and policy forms may be changed by each insurer without prior notice.

Copyright Notices
Unless otherwise noted, the graphic images, buttons, layout, and text contained in this Web site are the exclusive property of Stephen R. Maddox and its related, affiliated and subsidiary companies, and may not be copied or distributed, in whole or in part, without the express written consent of Stephen R. Maddox . Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use. Insurance company logos are the exclusive property of the respective insurance companies.

Data Protection
Stephen R. Maddox is not obligated to monitor any transmission made through the respective Web pages and newsgroups. However, Stephen R. Maddox has the right, but not the obligation, to monitor any transmission made to and for this Web site. Stephen R. Maddox may use or disclose information gathered from the site.

Intended Audience
This site is published for some, but not all the residents of the United States of America. This site is not intended for use by residents of any countries other than the United States of America. Information concerning the identity, history, and products of each insurance company represented byStephen R. Maddox is intended for residents of states in which that insurance company is licensed. No applications will be sought or accepted on behalf of any insurance company from a resident of a state in which that company is not licensed. Availability of products varies by state.