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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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Please contact the WebMaster.

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.

Intended Audience

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.

Product Restrictions:

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.

Licensing Information

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:

Arkansas : Jeffrey J Zander    License number   6548
California: Jeffrey J Zander    License number   0C62919
Minnesota Jeffrey J Zander    License number   20314455
Louisiana: Jeffrey J Zander    License number   243922
Utah: Jeffrey J Zander    License number   130137
Massachusetts 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 Dave 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.