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The above rates and benefits are for general information and discussion purposes only and are not valid unless approved by the carrier. Final rates are determined by the carrier's underwriting guidelines and final enrollment. The insurance policy issued by the carrier and not the rates and descriptions on this report or in this website will form the contract between the insured and the carrier. Please do not cancel any current coverage until you have been approved for a new policy.Please keep the following important points in mind when reviewing the contents of the proposal: *Quoted rates are only estimates. Final rates are based on the Insurance Carrier's evaluation of final enrollment. *Special situations such as start-up companies, carve-outs (management, location, etc.), & non-California Corporations may be declined by the Insurance Carriers. Life insurance may be declined due to medical conditions. *This quote is not an offer of coverage and does not guarantee the acceptance of any application for insurance by any Carrier represented herein. Existing coverage(s) should not be cancelled until the Carrier has approved new coverage. *This information is intended for comparative use and provides only a summary of benefits and not a complete guide to coverage. Please consult the appropriate insurance company and/or policies for a complete description of benefits, limitations, exclusions and participation requirements. *Nickovich Insurance Servcies Inc assumes no liability for rate, underwriting requirements, benefit description, group or individual eligibility or any other guideline or requirement which is determined by the Carrier. If you would like to discuss any of this information, please give us a call.