Terms of Service

Professional Services

McCorquodale Health & Life Insurance provides licensed insurance brokerage services in Alabama. Charles McCorquodale, J.D., is a licensed insurance agent authorized to sell life and health insurance products through HealthMarkets and other approved carriers.

Service Area

Our services are available to residents of Alabama, with primary focus on:

• Madison County (Huntsville, Madison)
• Morgan County (Decatur)
• Limestone County (Athens)
• Marshall County (Arab, Guntersville)
• Jackson County (Scottsboro)

Professional Responsibilities

As your insurance professional, we commit to:

• Provide accurate information about insurance products
• Recommend suitable coverage based on your needs and budget
• Maintain current licensing and continuing education
• Follow Alabama Department of Insurance regulations
• Protect your confidential information

Client Responsibilities

To serve you effectively, we ask that you:

• Provide accurate and complete information
• Disclose all relevant health and financial information
• Review all policy documents carefully
• Pay premiums on time to maintain coverage
• Notify us of any changes that may affect your coverage

Consultation Process

Our consultation process includes:

• Initial needs assessment (free of charge)
• Product research and comparison
• Application assistance and submission
• Ongoing policy service and support

Compensation

We are compensated through commissions paid by insurance carriers. This compensation does not increase the cost of your insurance. We may also receive bonuses or incentives based on sales volume, but this does not influence our product recommendations.

Emergency Services

We offer emergency consultation services for urgent life insurance needs. While we strive to respond within 30 minutes during business hours, response times may vary based on circumstances. Emergency services are subject to carrier availability and underwriting requirements.

Limitations and Disclaimers

Please understand that:

• We cannot guarantee policy approval or specific rates
• Final coverage terms are determined by the insurance carrier
• We are not providing legal or tax advice
• Past performance does not guarantee future results

Dispute Resolution

If you have concerns about our services, please contact us directly. We are committed to resolving issues promptly and professionally. Unresolved complaints may be directed to the Alabama Department of Insurance.

Website Use

This website is for informational purposes only. Insurance quotes and applications must be completed through direct consultation. Information on this website may not reflect current rates or product availability.

Contact Information

Regulatory Information

McCorquodale Health & Life Insurance operates under the supervision of the Alabama Department of Insurance. For regulatory inquiries or complaints, contact:

Alabama Department of Insurance
201 Monroe Street, Suite 1700
Montgomery, AL 36104
Phone: (334) 269-3550

Changes to Terms

We reserve the right to modify these terms of service. Material changes will be communicated to existing clients. Continued use of our services constitutes acceptance of updated terms.