Legal & Licensing

Critial Life Insurance

Welcome to the idecidestore, a web site where consumers can research and shop for various insurance products. The web site is owned and operated by Emerson Reid LLC (hereinafter, the "Company" or "idecide"), a licensed insurance agency (see Licensing, below). The Company provides its services to you subject to the following conditions. If you visit or shop at any idecidestore.com website you accept these conditions. Please read them carefully.

 

Legal Jurisdictions Only
The insurance services and products described on this web site are only for persons in those states and jurisdictions where such products and services may legally be sold. Nothing on this web site shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.

 

Use Limitation
This web site is for the use of consumers and small businesses who are researching and shopping for insurance products. You are not permitted to use this web site or its contents for any commercial or non-personal purpose (direct or indirect). The Company reserves the right to prevent any party who engages in such non-permitted use(s) from accessing this web site.

 

Trademarks
idecidestore and EHEALTHINSURANCE are registered trademarks of the Company (U.S. Registration Nos. 2180628 and 2394766, respectively). The Company's trademarks may not be used in connection with any product or service that is not the Company's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits the Company. All trademarks not owned by the Company that appear on this web site are the property of their respective owners.

 

Copyrights
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of the Company or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of the Company and protected by United States and international copyright laws. All software used on this site is the property of the Company or its software suppliers and protected by United States and international copyright laws. Report a claim of copyright infringement.

 

Your Account
If you use this web site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Further, by using this web site, you warrant that you are at least 18 years of age and possess the legal authority to use this web site. The Company does not sell products to minors, but it sells them to adults. If you are purchasing a product on behalf of a minor, you agree to supervise all usage of this web site by minors under your name or account. The Company reserves the right to refuse service, terminate accounts or remove or edit content in its sole discretion.

 

Disclaimer of Warranties and Limited Liability
THIS WEB SITE IS PROVIDED BY THE COMPANY ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. ANY LINKS TO OTHER WEB SITES ARE PROVIDED AS A COURTESY. THEY ARE NOT INTENDED TO NOR DO THEY CONSTITUTE AN ENDORSEMENT BY THE COMPANY OF THE LINKED MATERIALS.TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM THE COMPANY ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF THE COMPANY IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

 

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

 

Applicable Law
By visiting idecidestore.com, you agree that the laws of the state of New York, without regard to principles of conflict of laws, will exclusively govern these Legal and Licensing terms and any dispute of any sort that might arise between you and the Company.

 

Existing Insurance Coverage
DO NOT CANCEL ANY EXISTING INSURANCE UNTIL YOU RECEIVE WRITTEN CONFIRMATION FROM THE INSURANCE COMPANY TO WHICH YOU ARE APPLYING THAT YOUR NEW POLICY IS IN EFFECT.

 

Licensing
This web site is brought to you by the following licensed brokers in each respective state which require insurance transactions to be conducted through a licensed agent/broker. Each agent/broker is associated with eHealthInsurance Services, Inc., a Delaware corporation with principal places of business at:

 

Emerson Reid LLc
292 Madison Ave
New York, NY 10128 &

 

STATE LICENSE NO.
Alabama 0270264
Arizona 854059
Arkansas 305004
California 0C94240
Colorado 266246
Connecticut 1011896
Delaware 1021204
District of Columbia  2802733
Florida L010293
Georgia 103568
Hawaii 338645
Idaho 132914 
Illinois 13-3938007 
Indiana 38153
Iowa 1001003339
Kansas 13-3938007
Kentucky 638891
Louisiana 411806
Maine AGN127107
Massachusetts 1830543
Maryland NPF141792
Michigan 0022575
Minnesota 20316239
Mississippi 10004549
Missouri AG8010399
Nebraska 338404
Nevada 19520
New Hampshire 0362047 
New Jersey 9731398
New Mexico 20316239
New York LA- 857659
North Carolina 1000007352
North Dakota 197090
Ohio 35049
Oklahoma 9823
Oregon 817289
Pennsylvania 52317
South Carolina 167466
South Dakota C8701
Tennessee 2773
Texas 1422839
Utah 249222
Vermont 1290
Virginia 101319
Washington 269653
West Virginia 4223
Wisconsin 3665
Wyoming 152795