This website does not provide full disclosure and is not an exact description of any policy or rider. It does not address state variations and may not contain the most current information.   If any discrepancies exist between this website and any policy, the policy will control.

Informational statements regarding insurance coverage, policies, or other products contained on this Website have been prepared only for general description, informational purposes, and to give you an overview of policies and products that may be available.  None of the information—including any policy or product description—constitutes an insurance policy. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.  For additional information, cost, service, details of coverage, policy services, limitations, coverage exclusions and terms, definitions, conditions, and programs available to you, contact Gary Ware & Associates, Inc. (Alternate Business Name, “Ware Group General Agencies”) (hereinafter referred to as “Ware Group”) or the actual policy.

Insurance products are subject to terms, conditions and exclusions not described on this Website and are subject to the underwriting guidelines and rules in effect for the relevant state at the time of purchase. If any policy provision conflicts with the information presented on this Website or by any Ware Group Agent, the policy language is controlling and supersedes.  Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. Health questions may apply.

Insurance coverage cannot be bound or changed via this site or otherwise, email, voice mail, fax nor any social media page. No insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent and the carrier. Any proposal of insurance we may present to you will be based upon the information you provide us via any communications with us.

Our agency is not authorized to do business in every jurisdiction.  Not all policies and/or riders are available in all states. Policies, benefits and riders are subject to state availability. Not all listed options, benefits, and riders are available on all policies. May vary by state.

Coverages referred to on this Website are not intended to replace major medical, medical expense or Medicare Supplement coverage. Policies referred to on this Website does not meet the Minimum Essential Coverage Requirements of the Affordable Care Act.

This Website may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice.  Ware Group, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Information about any products and services contained on the Ware Group General Agency website should not be relied upon for personal, legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.

We do not undertake any obligation to update information on or available through this site, whether as a result of new information, future events, or otherwise.  The information described on this Website is in effect as of September 2016 and may be changed at any time.

Privacy Policy

Ware Group General Agency recognizes the importance of protecting the privacy of all information provided by the users of our web site, and all of our policyowners and agents. This notice will inform you about the practices we use regarding information you may supply to us or that we may collect when you visit this web site.

Access to our web site is conditional upon your acceptance of the terms and conditions contained herein and on this page. Your use of the web site constitutes your agreement to all such terms and conditions. If you are not comfortable with any of the terms, conditions or policies described in this page, we ask that you discontinue use of our site.

Personal information is collected only when you voluntarily provide it to us. Your personal information will not be passed on to third parties except our agents unless disclosure is required by law. We will only collect information to the extent necessary to fulfill your requests and our legitimate business objectives. We will not sell your personally identifiable information to outside organizations.

We maintain electronic and procedural safeguards to maintain the confidentiality and security of your personal information. We restrict access to your personal information to those employees who have a need to know that information. We train our staff about the importance of customer privacy. Our handling and protection of your personal information is governed by state and federal laws, rules and regulations.

Cookies are used by many internet sites and may be used here.  Cookies are used for a variety of purposes. For example, cookies can speed up your activities and improve your user experience. This information does not identify you personally. You can set your browser to refuse cookies or to alert you when cookies are being sent. However, rejecting cookies may prevent you from taking full advantage of a web site.

Our web site relates to insurance products and services and is not intended for children. We do not market any products or services to children or knowingly collect any information from children. If we become aware that information is or has been submitted by or collected from a child, we will delete that information.

We follow industry standards to protect the personal information submitted to us. However, you should use judgment in connection with the disclosure of any personal information by e-mail. Be aware that submitting personal information by e-mail over the Internet is never completely secure and any information submitted may be intercepted, used and disclosed by others. Ware Group cannot guarantee the security of submitted e-mails. We are not responsible for the security or confidentiality of communications you send to us through the Internet using e-mail messages.

If we change our privacy statement, we will post those changes on this page. Users should check our statement frequently to keep aware of any changes.

If you have any questions regarding our privacy notice and policy, please contact us.

Legal Notice

Please read the following terms and conditions carefully.  By accessing this website, you acknowledge and agree to only use this website on the terms and conditions set forth below:

Liability Disclaimer

The materials and information you find on the Ware Group website are provided “as is” and without warranties of any kind, either express or implied including, but not limited to, implied warranties of merchantability or fitness for a particular purpose.

This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation, computer virus, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, negligence, or under any other cause of action.  Under no circumstances shall Ware Group be liable for any direct or indirect, special, incidental or consequential damages that may arise from your use of, or inability to use, this website.

Copyright Use

The contents of the Ware Group website pages including, but not limited to text, graphics, and icons, are copyrighted materials owned or controlled by Ware Group and contain Ware Group’s name, trademarks and service marks.  No one is permitted to establish a link to this website without first obtaining written permission of Ware Group.  Unauthorized reproduction, copying, republishing, postings, transmitting or duplicating information or materials on this website is prohibited.

Not Soliciting Offers

Nothing on this website constitutes an offer to sell or solicitation of any insurance product.  All information available through this website is provided for informational purposes only.  No insurance product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the insurance laws of such jurisdiction.

Third Party Consent

Links to third party websites are provided for convenience and for general informational purposes only.  The content in any linked website is not under our control and we are not responsible for it.  The fact that we provide a link to a third party website does not mean that we endorse, authorize, or sponsor that website, nor that we are affiliated with the third party website’s owners or sponsors.

Responsible Use

Ware Group’s website users are prohibited from using this website and content for illegal or fraudulent purposes or for posting or transmitting to or from this website any unlawful, threatening, libelous, defamatory, inflammatory or profane communications and/or materials that could give rise to civil or criminal liability under law.  You agree to not take any action that tampers or interferes with this website and its content.