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Important Consumer Information

Timeliness

All Savers Insurance Company (All Savers) or affiliates makes every reasonable effort to keep the information presented on this Web site current, and to ensure that it accurately reflects the nature of our business. However, the availability of products, or the products themselves, may change at any time without notice.

No representations or warranties are made about the timeliness, completeness, suitability, or usefulness of any of the information, text, or graphics on this Web site or any linked Web sites. The information, text, and graphics on this Web site and any linked Web sites are presented without express or implied warranties of any kind, and are provided “as is.”

Identity and Jurisdiction

Health insurance products mentioned on this Web site are either underwritten, administered or provided by All Savers Insurance Company (Indiana domiciled) UnitedHealthcare Life Insurance Company (Wisconsin domiciled, CA certificate of authority number 08079) UnitedHealthcare Insurance Company, Golden Rule Insurance Company (Indiana domiciled, CA certificate of authority number 08278), or All Savers Life Insurance Company of California (California domiciled certificate of authority number 08586). Administrative services may also be provided by United HealthCare Services, Inc. and its affiliates.

Alternate Funding products are marketed under the All Savers brand. Excess Loss insurance coverage is provided by All Savers Insurance Company, a UnitedHealthcare company. The underlying medical coverage for the Alternate Funding products is not an insured product. Administrative services are provided to the plan sponsor by United HealthCare Services, Inc. and its affiliates, including UnitedHealthcare Life Insurance Company. Administrative services may also be provided by Savvysherpa, Inc.

Product availability varies by state. Please call 1-800-232-5432 to obtain further details about product availability.

All Savers is not licensed to do business in the state of New York or outside of the United States. Information on this Web site does not, and is not intended to, constitute an advertisement, solicitation, or offer for sale of any insurance product to residents of the state of New York, any country other than the United States, or any state within the United States where the product is not available at any given time.

Legal Notices

Some of the descriptions of insurance products on this Web site are only general summaries. For complete information about benefits, exclusions, limitations, and renewability terms, please read the All Savers Health Insurance brochure. To receive specific product brochures, call 1-800-232-5432.

We are not responsible for the content of any other Web sites that might be linked to this one with or without our knowledge or consent. Likewise, we are not responsible for any of the conduct or activities of the domain name owners or the operators of any other Web sites that might be linked to this one with or without our knowledge or consent.

No warranties, express or implied, are made concerning the functionality of this or any linked Web site, and we are not responsible for any consequences, including, but not limited to, data corruption or any other direct or indirect damage as a result of downloading anything from this or any linked Web site.

This Web site (excluding links) is controlled by All Savers or its affiliates. By accessing this Web site, you agree that all matters relating to your access to, or use of, this Web site shall be governed by the statutes and laws of the State of Indiana, without regard to the conflicts of laws and principles thereof and that you agree to submit to jurisdiction in the State of Indiana. All Savers makes no representation that information, data or forms (hereinafter, “Materials”) on this Web site are appropriate or available for use in all locations, and accessing them from states where their contents are illegal is prohibited. Those who choose to access or use Materials in unauthorized locations do so on their own initiative and are solely responsible for compliance with local laws.

This Web site is subject to the copyright laws of the United States. The information on this Web site is provided as a service to our readers, and exclusively for their personal use. It may not be distributed, modified, or used without our prior written consent. Unauthorized commercial use, copying, reproduction, republishing, uploading, downloading, posting, transmitting, or duplication of any of the material is prohibited.

Notices
Producer Compensation

We distribute most of our insurance products through independent businesspeople, commonly called “brokers” or “agents.” The insurance industry term for them is “producers.”

Brokers do not work for any particular insurance company. Brokers work for their clients. Typically, brokers have contracts with several different insurers. These contracts allow the brokers to submit their clients’ insurance applications to the insurer that has the most appropriate product for each client.

In keeping with the standard and historical practice of our industry, we pay commissions to brokers. These commissions are paid when insurance coverage is issued in response to applications the broker’s submit on behalf of their clients. Commissions are calculated as a percentage of the premium paid. In some states, commissions are higher for the first year that coverage is in force and lower for subsequent years.

We do not currently allow brokers to collect any compensation from their clients. Commissions paid to brokers are a cost of doing business, and, thus, are one factor used to calculate premium rates.

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