Legal Notice and Disclaimer
The materials and information in this site are provided "as is" and without warranties of any kind either expressed or implied. LiveLife, Inc. and its related affiliated and subsidiary companies, disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

In no event shall LiveLife, Inc., Charles I Krugh, personally and its related, affiliated and subsidiary companies, be liable for any direct, indirect, special, incidental, or consequential damages rising out of the use of the information herein.

Insurance Rate Information
The information used in all insurance rate quotes have been taken from the rate cards and rate manuals which life companies routinely publish and distribute to life agents and brokers. LiveLife, Inc. has done everything it can to ensure that the insurance rate information contained in any insurance rate quotes is up-to-date and accurate. However, it cannot guarantee accuracy.

All quotes are for illustration purposes; actual premiums and coverage will be based on age, health history, certain underwriting criteria, location, sex and tobacco usage. Not all policies or companies are available in all states. Federal copyright law prohibits commercial use by other agents, brokers and parties marketing insurance products or information.

In the event that there is a discrepancy between the information contained in the insurance rate quotes, and any insurance company-authorized illustration and/or policy, the policy shall govern.

LiveLife, Inc. does not guarantee that you will be offered a life insurance policy at the conclusion of your application process. LiveLife, Inc. is not an insurance company but rather acts as an agency for over 20 insurance companies. Charles I Krugh, LiveLife's President is the agent of record for all applications submitted through the LiveLife, service. LiveLife does not endorse any specific insurer.

Copyright Notes
Unless otherwise noted, the graphic images, buttons, layout, and text contained in this web site are the exclusive property of LiveLife, Inc. and/or its affiliates, or the insurance companies represented, and may not be copied or distributed, in whole or in part, without the express written consent of LiveLife, Inc. 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.

LiveLife, Inc. cannot guarantee that the hyperlinks contained in this site will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks are developed and possibly maintained by person(s) over whom LiveLife, Inc. has no control. LiveLife, Inc. cannot and does not monitor the sites linked to our pages on the Internet. Accordingly, LiveLife, Inc. assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. LiveLife, Inc. believes that making hyperlinks to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

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

Intended Audience
This site is published for some, but not all of the residents of the United States of America. LiveLife, Inc. and/or Charles I Krugh are licensed to do business in all states and the District of Columbia.

You agree and understand that we may contact you via phone or email to follow up regarding your request for life insurance 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 LiveLife 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. LiveLife maintains a strict policy against the dissemination of nonpublic personal information which may be found in the files of its clients and applicants. All LiveLife 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 LiveLife 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.

The underwriting (risk assessment) will not begin until after the completed, hard-copy, signed application is received by the insurance company.

In conjunction with any formal application for insurance, except as may be provided in a properly-executed Conditional Receipt, no coverage is in force until the insured has received the issued policy, paid the premium and completed any other policy delivery requirements that might be required by the insurance company. If there is any question, concern or ambiguity regarding this issue, please refer to the language on the insurance company's application form.

LiveLife herein advises all proposed insureds NOT to cancel any existing coverage UNTIL they have received their new policy from the issuing company and found it to be satisfactory. Even if you are applying for coverage to replace an existing policy, NEVER cancel the existing coverage until the new policy is approved, in force, delivered and paid for.

Product Restrictions
Products are subject to underwriting requirements. Suicide limitations apply. Products are not available in all states.

Licenses and Insurance Policy Availability
Not all policies or companies are available in all states. Agent(s) licensed to sell policies in all states and the District of Columbia. Agent license numbers listed below as required by state law in California, Louisiana and Utah:
  • California residents: Charles I Krugh - license number #0B12796
  • Louisiana residents: Charles I Krugh - license number #300396
  • Utah residents: Charles I Krugh - license number #198518
  • New Mexico residents: Charles I Krugh license Number #653592
  • Texas residents: Charles I Krugh license Number #1225834
  • New Jersey residents: Charles I Krugh license Number #IP-0350312
  • New York residents: Charles I Krugh license Number #LA-989047
  • Florida residents: Charles I Krugh license Number #EO68800
  • Ohio residents: Charles I Krugh license Number #622945
  • Pennsylvania residents: Charles I Krugh license Number #273203
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