Effective Date: January 1, 2024
Please read these Terms of Service ("Terms") carefully before using the Baker Insurance website or submitting any information to our agency. By accessing our website or submitting an inquiry, you agree to be bound by these Terms.
Baker Insurance is an independent insurance agency operated by a licensed agent in the Commonwealth of Pennsylvania. We act as a broker and intermediary, helping individuals research and apply for life and health insurance policies offered by third-party insurance carriers.
Our services include: collecting your insurance inquiry, researching suitable plans, presenting options from multiple carriers, and assisting with the application process. We do not underwrite, issue, or guarantee any insurance policy.
Important Disclaimer
Submitting information to Baker Insurance does NOT guarantee that you will be approved for any insurance policy. Coverage approval is subject to the underwriting standards, medical review, and eligibility requirements of the individual insurance carriers. We make no representation or warranty that any particular coverage will be available to you.
Quotes provided are estimates based on the information you supply and are subject to change upon formal underwriting review. Final premiums and eligibility are determined solely by the insurance carrier.
You are solely responsible for the accuracy, completeness, and truthfulness of all information you provide to Baker Insurance. Submitting false or misleading information may result in:
Baker Insurance bears no liability for consequences arising from inaccurate information provided by the applicant.
Baker Insurance is an independent insurance agency and is NOT an employee, subsidiary, division, or affiliated entity of any insurance carrier. Our recommendations are based on our independent assessment of your needs and the available market — not on preferential arrangements with any single carrier.
As an independent agent, we may receive commissions from insurance carriers for policies placed. These commissions are paid by the carriers and do not increase your premium. We are required by Pennsylvania law to act in your best interest.
Phone calls to and from Baker Insurance may be recorded for quality assurance, training, and compliance purposes. By calling us or accepting a call from us, you consent to the recording of that conversation. A notice will be played at the beginning of each recorded call.
By submitting an inquiry or consent form, you authorize Baker Insurance to contact you via phone, email, or text message regarding your insurance inquiry. You may opt out of non-essential communications at any time by contacting us or following the unsubscribe instructions in any communication.
Baker Insurance complies with the Telephone Consumer Protection Act (TCPA) and will not place autodialed or pre-recorded calls to your mobile phone without prior express written consent.
All content on this website — including text, graphics, logos, and design — is the property of Baker Insurance and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.
TO THE FULLEST EXTENT PERMITTED BY LAW, SECURELIFE INSURANCE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF OUR SERVICES, INCLUDING BUT NOT LIMITED TO DENIAL OF COVERAGE, POLICY CANCELLATION, OR RELIANCE ON INFORMATION PROVIDED ON THIS WEBSITE.
Our total liability to you for any claim arising out of or related to these Terms shall not exceed the total fees, if any, paid by you to us in the twelve months preceding the claim.
THIS WEBSITE AND OUR SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT OUR WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Our website may contain links to third-party websites or services (including Cal.com for scheduling). We are not responsible for the privacy practices or content of third-party sites. Use of third-party services is governed by their respective terms and privacy policies.
These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-law provisions.
Any disputes arising from these Terms or your use of our services shall be resolved exclusively in the state or federal courts located in Pennsylvania, and you consent to the personal jurisdiction of such courts.
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of our services after changes are posted constitutes your acceptance of the revised Terms.
Questions about these Terms may be directed to:
Baker Insurance
Pennsylvania, USA
Email: legal@bakerinsurance.com