Disclaimer HSBC Insurance materials and information are provided "As Is". There are no
warranties expressed or implied by this web site. Materials on
americanlifepolicy.com are provided for research and comparison purposes only.
EFinancial does not recommend or endorse any particular insurance company.
EFinancial and Michael W. Rowell assume no liability for the accuracy of the
information provided. We make every effort to provide the highest quality
material on EFinancial but because of the technology involved we may at times
encounter technical difficulties or inaccuracy. EFinancial life insurance
comparison and shopping services is a free service provided by Michael W.
Rowell to help consumers shop for life insurance. Insurance requested through
EFinancial is transacted through Michael W. Rowell a life insurance agent.
Access to products and carriers available through EFinancial Insurance
Services.
Limitation of
Liability To the fullest extent permissible under applicable law, in no event
shall EFinancial be liable to you for damages of any kind whatsoever including,
but not limited to, direct, indirect, consequential, special, incidental,
including without limitation, lost profits or damages resulting from lost data
or business interruption, or punitive damages of any kind whatsoever that may
result from your use of or inability to use this web site or the materials or
services provided on this web site or the products or services received from
this web site. Exemptions of implied warranties may not be allowed in all
jurisdictions. In such case, in no event shall EFinancial 's total liability to
you for all damages, losses, and causes of action exceed the amount paid by
you, if any, for accessing this web site.
It is your responsibility to evaluate your needs for life
insurance and the accuracy of the information we provide. EFinancial or Michael
W. Rowell do not render any information contained as legal, professional, tax,
or other advice. A tax or legal advisor may be necessary in evaluating your
personal situation.
Michael W. Rowell is a Life Insurance Agent in the
following states under the following insurance licenses:
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Iowa
Illinois
Indiana
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
A166980
33884
93407
153207
0c83033
oc83033
1049454
161647
do4137
AGN578920
311141
al095479
IA0000000226488
SS
390801
SS
316960
265202
prn70759
NPI143753
1757436
228671
20234878
6231
SS
927416
Nebraska
Nevada
New Hampshire
North Dakota
New Jersey
New Mexico
New York
North Carolina
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
vermont
Virginia
Washington
Wisconsin
West Virginia
Wyoming
ag298073
72154
371955
SS
IP-0199332
709344
LA-915188
SS
563072
937565
158825
211891
SS
SS
SS
829801
10777459
126919
294970
SS
DL
2388934
119948
75913
American Life Policy is a website owned and operated by Efinancial LLC in
accordance with its privacy policy and is not affiliated with HSBC Insurance.
Michael Rowell is the licensed agent. The term life insurance is issued by
Household Life Insurance Company, Detroit, MI, administrative office
Bridgewater, NJ or First Central National Life Insurance Company of New York,
home office New York, NY, administrative office Bridgewater, NJ which are
subsidiaries of HSBC North America Holdings, Inc. The product is an obligation
of Household Life Insurance Company or First Central National Life Insurance
Company of New York, only in New York. Life insurance policies contain
exclusions and limitations; benefits may vary due to misstatement of age or
sex. The product may not be available in all States. The policy is issued as
Form Number HLI-8-132 for Household Life Insurance Company and Form Number
CNY-8-815 for First Central National Life Insurance Company, or a variation of
such. Companies are Rated as "A+ Superior" (2nd Highest Rating of 16) by A.M.
Best Company. The HSBC Insurance logo is a trademark of HSBC North
America Holdings, Inc. and is used under license.
