Legal Disclaimer

1. Professional Jurisdiction & Licensing

Sheldon Nave is a licensed life insurance agent in the states of Arizona, California, Texas, and New Jersey. Nave Life Quotes does not offer or sell insurance products in any state where it is not properly licensed. This website is intended solely for residents of the United States residing in the aforementioned licensed states.

Operational Notice: All insurance transactions, policy issuances, and regulatory oversight are strictly governed by the laws of the United States and the respective State Departments of Insurance in which Sheldon Nave is licensed. No business is conducted under the jurisdiction of any foreign nation, regardless of the physical location of the agent at the time of service.

2. Non-Government Affiliation

Nave Life Quotes is a private insurance agency. We are not affiliated with, endorsed by, or connected to any government agency, including but not limited to the Social Security Administration, the Department of Veterans Affairs (VA), or any state-run healthcare exchange. Our services are independent of any federal or state insurance programs.

3. No Professional Advice

The information provided on this website is for educational purposes only. It is not intended to be, and should not be construed as, legal, tax, financial, or medical advice. You should consult with a qualified professional (such as a CPA, Attorney, or Financial Planner) before making significant financial decisions.

4. Quotes and Estimates

All quotes provided by Nave Life Quotes are estimates based on the information you provide. Final premium rates and coverage eligibility are determined solely by the insurance carrier following formal medical underwriting. Submitting a request for a quote does not constitute an application for insurance nor does it guarantee policy issuance.

5. Carrier Independence & Compensation

Nave Life Quotes is an independent insurance agency representing over 30+ A-rated carriers. We are not employees of any insurance carrier. We receive commissions from insurance companies for the policies we place. Importantly, using our services results in no additional cost to the consumer; insurance premiums are the same whether you buy through us or directly from the carrier.

6. Living Benefits & State-Specific Disclosures

Living Benefits (accelerated death benefit riders) are subject to carrier-specific terms and state regulations. The ability to access death benefits early for critical, chronic, or terminal illness varies by policy and will result in a reduction of the total death benefit. Not all applicants will qualify for these specific riders.

7. No-Medical Exam Disclosure

While many of our carrier partners offer "No-Medical Exam" or "Simplified Issue" policies, these are subject to carrier-specific underwriting guidelines. Approval is not guaranteed and is based on health history and other database reviews. In some cases, a medical exam may still be required by the carrier to determine eligibility or final pricing.

8. Electronic Communications (SMS)

By providing your phone number and submitting a request, you provide express written consent to be contacted by Sheldon Nave or Nave Life Quotes via telephone, email, or SMS/Text Message for the purpose of fulfilling your insurance request. This includes contact even if your number is on a state or national Do Not Call Registry. You may opt-out of text communications at any time by replying "STOP". Message and data rates may apply.

9. External Links

This website may contain links to external carrier portals or third-party resources. Nave Life Quotes is not responsible for the content, privacy policies, or practices of any third-party websites.