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All information, images, and other material within this site is ©Copyright
1999-2007 Zander Insurance Group, Inc.
All rights reserved.
No reproduction, distribution, or transmission of the copyrighted materials at this
site is permitted without the written permission of Zander Insurance Group, Inc.
unless otherwise specified.
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Legal Notice and Disclaimer
Zander Insurance Group is a collective reference of the entities Jeffrey J. Zander
individual, JJZ Insurance Agency Inc., JJZ Insurance Agency TGP, and Zander Insurance
Agency, Inc. The materials and information in this site are provided "as is" and
without warranties of any kind either expressed or implied.
Zander Insurance Group and its related, affiliated and subsidiary companies disclaim
all warranties, express or implied, including, but not limited to, implied warranties
of merchantability and fitness for a particular purpose.
It is your responsibility to evaluate the accuracy, completeness and usefulness
of any opinions, advice, services or other information provided. All information
contained on any page is distributed with the understanding that the authors, publishers
and distributors are not rendering legal, accounting or other professional advise
or opinions on specific facts or matters, and accordingly assume no liability whatsoever
in connection with it's use. Consult your own legal or tax advisor with respect
to your personal situation.
In no event shall Zander Insurance Group, its related, affiliated or subsidiary
companies, be liable for any direct, indirect, special, incidental or consequential
damages arising out of the use of the information herein.
This site is published for some, but not all the residents of the United States.
This site is not intended for use outside of the United States. Each insurance company
represented by Zander Insurance Group is intended for residents of states in which
that insurance company is licensed and no applications will be sought or accepted
on behalf of any insurance company from a resident of a state in which that company
is not licensed.
Policies not available in all states. Suicide, misstatements and misrepresentation
restrictions will apply. All applications for insurance are subject to underwriting
qualification by the specific insurance company to which the application is submitted.
Availability of premium rates and policy forms may be changed by each insurer without
prior notice. There is no guarantee that an offer for life and disability insurance
will be made at the conclusion of the application process. Zander Insurance Group
is not an insurance company but acts as an agent representing numerous insurance
companies. Zander Insurance Group does not endorse any specific carrier.
Not all policies are available in all states from the carriers that we represent.
Agent Licenses are noted below as required by state law in California, Minnesota,
Louisiana, Utah and Massachusetts:
Jeffrey J Zander License number 6548
Jeffrey J Zander License number 0C62919
Jeffrey J Zander License number 20314455
Jeffrey J Zander License number 243922
Jeffrey J Zander License number 130137
Jeffrey J Zander License number 1774377
Important Notice About How We Are Compensated
To ensure that you, our valued customer, have all the information you need before
you purchase an insurance plan from us, we are providing you with the following
information about the cost of our services and how we are compensated.
Our services are provided at no extra cost to you. This means that you will not
have to pay any fee to us to get information, receive a quote or apply for a policy
through our agency.
We are paid by the carrier we represent. If you apply for an insurance plan through
our agency and are approved, you'll pay the premium to your chosen carrier, and
you'll pay nothing to us. Our compensation comes from the carriers in the form of
commissions, bonuses, and occasional incentives, such as travel. These compensation
arrangements are standard in the insurance industry.
We are paid a commission by the carriers for each customer that applies for a plan
through our company and obtains coverage. Our commission is usually a percentage
of the premium paid by the customer to the carrier. Some of the carriers we represent
also award trips or other prizes to our company based on the number of customers
who purchase their insurance plans through us.
We never recommend plans based on the compensation we receive from a carrier and
we do not allow insurance companies to pay fees to improve their placement on our
comparative quote engine whether you access our plans through our website or by
calling us directly.
All of us at Zander Insurance Group hope that you find this information helpful
in your review process.
Don't hesitate to contact us with any questions or concerns.
Dave Ramsey Endorsement
Dave Ramsey is the President of the Lampo Group, Inc., the host of The Dave Ramsey
Show, a syndicated radio program concerning personal financial management, and the
author of many books about personal financial management. Dave’s program and books
are designed to provide accurate and authoritative personal financial information
with regard to the subject matter covered. The information is given with the understanding
that Dave is not engaging in or rendering legal, accounting or other professional
advice. Dave stresses that since the details of an individual’s personal situation
are fact-dependent, each listener and web visitor should seek additional services
of a competent professional. Dave has authorized Zander Insurance Group to use the
statements appearing on this website. Dave Ramsey and his company receive no compensation
from Zander Insurance Group for the use of Dave’s comments on this website. However,
we do want you to know that Zander Insurance Group is an advertiser on The Dave
Ramsey Show. You may obtain more information about Dave Ramsey and his show at
Ramsey and the Lampo Group, Inc. do not offer or sell any insurance products or
receive any compensation from Zander Insurance Group derived from or dependent upon
the sale of any insurance product or other services.