Legal Disclaimer

THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. CAPITALChoice Financial Services, Inc. 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 advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

In no event shall CAPITALChoice and its related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

Copyright Notices Unless otherwise noted, the graphic images, buttons, layout, and text contained in this web site are the exclusive property of CAPITALChoice Financial Services, Inc. and/or its affiliates and may not be copied or distributed, in whole or in part, without the express written consent of CAPITALChoice Financial Services, Inc. and/or its affiliates. Permission is granted to print copies of this document and to display and use this document with a computer solely for personal or internal use.


CAPITALChoice cannot guarantee that the hyperlinks set out on our site will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks are developed and possibly maintained by person(s) over whom CAPITALChoice has no control. CAPITALChoice cannot and does not monitor the sites linked to its pages on the Internet. Accordingly, CAPITALChoice assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. CAPITALChoice believes that its making available hyperlinks to publicly accessible web pages and news groups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Data Protection

CAPITALChoice is not obligated to monitor any transmission made through the respective web pages and news groups. However, CAPITALChoice has the right, but not the obligation, to monitor any transmission made to and for this web site. CAPITALChoice may use or disclose information gathered from the site.

Intended Audience

This site is published for some, but not all, of the residents of the United States of America.


CAPITALChoice Financial Services, Inc., is a network of independent business men and women representing various life and health insurance companies.

In California: CAPITALChoice Financial and Insurance Services.

In Massachusetts: CAPITALChoice Financial Services Insurance Agency, Inc.

Not available to New York residents. Not available in all states. Offered by Dick Kinnard, agent, in: AL, AR, AZ, CA (#OC40072), CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA (#Y60081), MD, ME, MI, MN (#IN20162192), MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX (#965397), UT, VA, VT, WA, WI, WV and WY.