This site contains some outlines on the basic rules that apply to
health coverage for small employers. Do not rely on the information
in this site for the details of the law or your specific rights and
obligations under a health benefits plan contract. Read your contract
carefully and consult your carrier, attorney, or NJ Deptartment of
Banking & Insurance if there is anything you do not understand.
materials on this web site are provided "as is" and without warranties
of any kind either expressed or implied. Additionally, availability,
price, and other information is subject to change without notice. The
consumers responsibility is to accurately evaluate the advise, services,
content and usefulness of this information provided by the web site,
owner, or designer. It is also understood that all information on the
entire web site pages distributed by the sites owner, designer, authors,
publishers, licensees are not rendering accounting, tax, legal advise,
or opinions, on any and all specific facts or matters. In addition all
parties assume no liability of any kind in connection with its use.
We suggest you review all matters with your tax advisor and/or legal
console with respect to your personal situation. All information contained
within this web site is directed to consumers in jurisdictions where
the information is valid, including the insurance representative listed
is licensed. If you purchase from this site the named "Broker of Record"
will be Philip Wallace Lowcher LLC, who is respectively licensed in
New Jersey and is trading under Benefit Exchange of America. Contact
him directly concerning other state licensing that are currently active.
Contact information: Philip Wallace Lowcher, 6 Hunt St., #301, Rumson,
NJ, 07760, (732)842-7445 ext. 1