Disclaimer

Please read this page before relying on anything published on VistaCover ("the Site"). By using the Site you agree to the terms below and to our Terms of Use.

Educational information only

Everything on the Site, including guides, articles, charts, worked examples, calculators, and answers to reader questions, is general information written for an educational purpose. None of it is insurance, financial, investment, tax, accounting, or legal advice, and none of it takes into account your objectives, finances, health, location, or needs.

Do not make a decision about insurance coverage, a claim, an investment, a loan, a tax filing, or a legal matter based only on what you read here. Speak with a qualified professional who is licensed where you live and who can review your actual documents.

No offer, solicitation, or recommendation

VistaCover is an independent publication. It is not an insurance company, insurance agency, insurance producer, broker, bank, lender, broker-dealer, investment adviser, tax preparer, or law firm. The Site does not sell, quote, bind, or service insurance, and it does not sell, recommend, or arrange any financial product.

Nothing on the Site is an offer to sell, a solicitation of an offer to buy, or a recommendation of any insurance policy, security, fund, account, or other product. A mention of a type of product, coverage, or strategy is a description of how it generally works, not an endorsement of it.

No relationship is created

Reading the Site or contacting us does not create an agent-client, adviser-client, attorney-client, fiduciary, or any other professional relationship. We do not respond to requests for personal advice, and you should not send us confidential or sensitive personal information.

Insurance information varies

Insurance is regulated state by state. Coverage, exclusions, limits, deductibles, waiting periods, eligibility rules, and prices vary by state, insurer, policy form, endorsement, and individual circumstances. The policy you buy, including its declarations page, forms, and endorsements, is the only document that determines what is and is not covered. Our descriptions of "typical" coverage may not match your policy.

Hypothetical examples and charts

Examples, figures, premiums, returns, rates, and charts on the Site are hypothetical and are included only to show how a calculation or concept works. They are not quotes, forecasts, projections of actual results, or representations of what any product will do. Investing involves risk, including loss of principal. Past performance does not guarantee future results.

Accuracy and timeliness

We work to keep content accurate, and we correct errors we find (see our Editorial Policy). Laws, contribution limits, tax brackets, program rules, and market conditions change, sometimes without notice, and some content may be out of date when you read it. The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of accuracy, completeness, fitness for a particular purpose, or non-infringement.

Government programs

Any discussion of government programs such as Social Security, Medicare, Medicaid, or public benefits is general information. VistaCover is not connected with or endorsed by any government agency. For decisions about these programs, use the official agency sources and their help lines.

Third-party links

The Site may link to outside websites. We do not control them and are not responsible for their content, accuracy, privacy practices, or products. A link is not an endorsement.

Limitation of liability

To the fullest extent permitted by law, VistaCover, its owners, operators, writers, and contributors will not be liable for any loss or damage of any kind arising from your use of, or reliance on, the Site or its content, including direct, indirect, incidental, consequential, or punitive damages, even if advised of the possibility of such damage. Some jurisdictions do not allow certain limitations, so some of these limits may not apply to you.

Names and trademarks

The Site does not use the names or logos of insurance companies or financial institutions to describe or compare products. Any trademark that appears belongs to its owner, and its appearance does not imply affiliation or endorsement.

Questions

If you think something on the Site is wrong, tell us through the contact page.