All efforts have made to provided information on this web site to be accurate and up to date but please read the following terms and conditions carefully before using this web site. You should review these terms and conditions regularly as they may change at any time at our sole discretion. The following terms and conditions apply to all of our web sites, including any web sites owned, operated or sponsored by any of our affiliates. The access to and use of this website are subject to all applicable federal, state and local laws and regulations.
Liability and Warranty
Under no circumstances shall we be liable for any direct or indirect, special, incidental or consequential damages that may arise from your use of, or inability to use, this web site. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
THIS WEB SITE CONTENT IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
Copyright and Trademarks
All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the “Marks”) displayed on this website are the property of BeamaLife Corporation. Users are prohibited from using any Mark for any purpose without the express written permission of BeamaLife Corporation.
Links to Third Party Content
Links to third party web sites are provided for your convenience and information and for information only. The content in any linked web sites is not under our control and we are not responsible for it. We reserve the right to terminate a link to a third party web site at any time. The fact that we provide a link to a third party web site does not necessarily mean that we endorse, authorize or sponsor that website, nor that we are affiliated with the third party web site’s owners or sponsors.
Privacy and Treatment of Information or Data Transmitted to Us
No Investment, Legal or any other Professional Advice
Nothing in this web site constitutes investment or legal advice. It is in your best interest and is your responsibility to evaluate the accuracy and completeness of any opinions, advice, services or other information provided in this web site. All information contained on any page is distributed with the understanding that the authors 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. You should consult your own legal or tax advisor regarding the purchase of any life insurance policy. Neither BeamaLife nor any of its employees or agents are authorized to give legal or tax advice. Individuals are encouraged to seek the guidance of their own personal legal or tax counsel.
All Products, Programs and Services May Not be Available in Your States or Jurisdiction and No Soliciting Offers
This web site is controlled by us from our office within the United States of America. Except as specifically stated, we make no representation that content or materials in this web site are appropriate or available for use in other jurisdictions. Access to this web site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this web site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. BeamaLife is not authorized to do business in every jurisdiction.
Insurance rates which may be provided by fax, mail, e-mail, or phone or on-line are estimates and are generally reflective of the prices for the best rate classes available for various life insurance products as of the date that any rate comparisons are prepared by us. Rates provided in this manner are not firm quotes or offers, but rather estimates which are based on information provided to us by you and by the various insurance companies. Rates and availability are subject to underwriting approval by the insurance company selected, and the criteria to qualify varies widely among insurance companies. Any and all required illustrations, applications, supplemental forms, and other documents necessary to evaluate and/or apply for life insurance coverage will be provided as soon in the process as they become necessary. Policy forms vary by state. Rates, plans, and availability also vary by state. Rates on most level term life insurance plans will typically increase annually after the initial guarantee period ends. Initial guarantee periods vary, and typically range from 1 to 30 years, depending upon the product you select. Suicide, misstatement, and misrepresentation restrictions may apply. Availability of premium rates and policy forms may be changed by each insurer without prior notice.
In case of replacement of your existing policy, you should NOT cancel any existing coverage UNTIL you have received your new policy from the issuing company and found it to be satisfactory, in-force and up-to-date in premium payments. Please be aware that new incontestability and suicide clauses will be in effect for the first two years of your new policy. An incontestability clause states that the insurance company may not contest the policy after it has been in force for two years.
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.
You agree and understand that we may contact you via phone or email to follow up regarding your request for BeamaLife products, services and programs in order to verify information or request further information for the purpose of giving you the most accurate quote and policy information.
Legal Disclaimer & Licensing Information
We offer our services, products and programs through BeamaLife Corporation and/or Nurdin (Neil) Jesani to only states where we are duly licensed and appointed. BeamaLife Corporation or Nurdin (Neil) Jesani personally are currently licensed in all states and the District of Columbia. License numbers are available upon request and are automatically provided where required. Nurdin (Neil) Jesani’s license number for California is 0E73915, Texas is 1482070, Minnesota is 40078528 and Louisiana is 453260. BeamaLife Corporation’s license number for California is 0G19725, Texas is 1475324 Minnesota is 40092086 and Louisiana is 455589
BeamaLife Corporate Office:
4400 US Highway 9 South, Suite 1100
Freehold, NJ 07728