Legal Disclaimer / Privacy Statement
By using this website, the user (hereafter "user") agrees to all of the following terms stated below:


www.quality-ins.com 1102 Angus Street
Regina, SK, CANADA
S4T 1Y5
Phone: 306-949-9511
Fax:     306-949-4511

Express Life Insurance Direct (hereafter "ELID") ELID is a professional insurance referral service. We are an information gathering service for our clients. Homegrown's shareholders, directors, employees, and contractors (hereafter "employees") are in no way registered or licensed to sell insurance. Homegrown's sole purpose is to be a liason service between the user of this site and the qualified, licensed and professional insurance agents and agencies (hereafter "agents").

ALL PERSONAL QUOTATION INFORMATION IS STRICTLY CONFIDENTIAL AND IS TRANSFERRED UPON RECEIPT BY HOMEGROWN TO AGENTS IN THE USERS AREA WHO WILL CONTACT THE USER AND RETURN A COMPLETED QUOTE DIRECTLY.

HOMEGROWN WILL SELL AND DISCLOSE THE USER'S PERSONAL INFORMATION TO AN AGENT FOR THE SOLE PURPOSE OF HELPING THE USER OBTAIN A QUOTE ON LIFE INSURANCE, OR SELLING THE USER A NEW LIFE INSURANCE POLICY.

The User agrees that by using this website to obtain a quote for life insurance, the User consents to HomeGrown collecting and disclosing the User's personal information per the Federal Privacy of Information and Electronic Documents Act of Canada. (PIPEDA) and similar laws in the United States.

PIPEDA 4.3 Principle 3- Consent
The knowledge and consent of the individual are required for the collection, use, or disclosure of personal information, except where inappropriate.
4.3.1
Consent is required for the collection of personal information and the subsequent use or disclosure of this information. Typically, an organization will seek consent for the use or disclosure of the information at the time of collection. In certain circumstances, consent with respect to use or disclosure may be sought after the information has been collected but before use (for example, when an organization wants to use information for a purpose not previously identified).
4.3.2
The principle requires ''knowledge and consent''. Organizations shall make a reasonable effort to ensure that the individual is advised of the purposes for which the information will be used. To make the consent meaningful, the purposes must be stated in such a manner that the individual can reasonably understand how the information will be used or disclosed.

There may be sections on this site where the user can subscribe or request more information about different products and services. At that point we will ask for the user's permission to use non-sensitive information for promotional purposes.

The user agrees that Homegrown accepts no responsibility for the referral once it has been delivered to the agents. Homegrown's employees can not and will not give legal, tax, financial planning or other professional advice. Always consult with a qualified advisor regarding your personal situation.

You understand that any quotations received by the agents will be based on the information provided by you in the quotation page. The agent cannot give an accurate quote if the user provides incorrect or inaccurate information. Homegrown is solely responsible for correctly and accurately transferring your submitted information to our life insurance agents.

THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. Homegrown, and its related affiliated and subsidiary companies, disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

It is the users 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. Please consult your own legal or tax advisor with respect to your personal situation.

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

Homegrown is not obligated to monitor any transmission made through the respective Web pages and newsgroups. However, HomeGrown has the right, but not the obligation, to monitor any transmission made to and for this Web site HomeGrown may use or disclose information gathered from the site.

Life Insurance Products are subject to underwriting requirements. Suicide limitations apply. Medical underwriting required.

Life Insurance Products or agents are not necessarily available in all states.

The customer agrees that HomeGrown can send them periodic notifications or ad emails about financial products or services from any of HomeGrown's websites. If the customer does not wish to receive any further emails he/she can opt out of our list upon request.

Now that we've gotten all that serious stuff out of the way...
It's time to Get a Quote