Terms of Use

LTCPlanningPartners.com (“LTCPP”) is a website owned and operated by Coomes Insurance & Financial Services (“CIFS”), AZ License: 1128874, CA License: 0K12647, FL License: W290070, HI License: 433274, IA License: 762933, MN License: 40447915, OR License: 0000762933, TX License: 2048157, WA License: 903663, WI License: 672565. CIFS agents are authorized as an independent agency to transact any Long Term Care, Life, Disability, and Health insurance products offered through its appointed carriers.

Information and materials provided within this website are offered on an “as is” or informational basis only for the use by its website visitors. LTCPP and CIFS do not warranty, either expressed or implied, the information and materials provided within this website.

No part of the site constitutes, or should be construed to constitute, an offer or solicitation to sell any products or services in any state where Coomes Insurance & Financial Services or a company representative is not licensed. Further, nothing on this Web site shall be considered a solicitation to buy or an offer to sell insurance to any person in any jurisdiction where such offer, solicitation, purchase, or sale would be unlawful under the insurance laws of such jurisdiction.

Coomes Insurance & Financial Services is currently licensed in the states of: AZ, CA, FL, HI, IA, MN, OR, TX, WA and WI. This website should not be considered a solicitation in any other state.

In addition, this website provides only a simplified description of insurance coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable.

LTCPP and CIFS may provide links to third-party websites for the educational benefit of its visitors. This service is provided as a courtesy and is on an “as is” basis. LTCPP/CIFS does not warranty, either expressly or implied, any of the content provided by third-party websites.

Neither LTCPP/Coomes Insurance & Financial Services, nor any of its respective representatives or advisors has made or makes any representation or warranty, expressed or implied, as to the accuracy of any representations or any liability resulting from the use of content or any errors or omission therein. Only a qualified attorney may prepare any document needed to implement any strategy explained in these materials, and the agent/broker or advisor is not in the business or practicing law, legally representing clients, or drafting legal documents.

 

LTCPP/CIFS recommends that all visitors should consult with their own legal and tax advisors relating to their personal planning and decisions.