Consumer Information

Golden Rule Insurance Company makes every reasonable effort to keep the information presented on this website current, and to ensure that it accurately reflects the nature of our business. However, the availability of products, or the products themselves, may change at any time without notice.

No representations or warranties are made about the timeliness, completeness, suitability, or usefulness of any of the information, text, or graphics on this website or any linked websites. The information, text, and graphics on this website and any linked websites are presented without express or implied warranties of any kind, and are provided “as is.”

Health insurance, dental insurance and vision insurance products mentioned on this website are underwritten by Golden Rule Insurance Company and health administered by Golden Rule, dental administered by Dental Benefit Provider’s Inc, and vision administered by Spectera, Inc. Other products may be available from or administered by our affiliates: American Medical Security Life Insurance Company, PacifiCare Life and Health Insurance Company or PacifiCare Life Assurance Company. Product availability varies by state. Please call 1-800-273-8115 to obtain further details about product availability.

Golden Rule is not licensed to do business in the state of New York, nor outside of the United States. Information on this website does not, and is not intended to, constitute an advertisement, solicitation, or offer for sale of any insurance product to residents of the state of New York, any country other than the United States, or any state within the United States where the product is not available at any given time.

Some of the descriptions of insurance products on this website are only general summaries. For complete information about benefits, exclusions, limitations, and renewability terms, please read the product brochure. To receive specific product brochures, call 1-800-273-8115.

We are not responsible for the content of any other websites that might be linked to this one with or without our knowledge or consent. Likewise, we are not responsible for any of the conduct or activities of the domain name owners or the operators of any other websites that might be linked to this one with or without our knowledge or consent.

No warranties, expressed or implied, are made concerning the functionality of this or any linked website, and we are not responsible for any consequences, including, but not limited to, data corruption or any other direct or indirect damage, as a result of downloading anything from this or any linked website.

This website is subject to the copyright laws of the United States. The information on this website is provided as a service to our readers, and exclusively for their personal use. It may not be distributed, modified, or used without our prior written consent. Unauthorized commercial use, copying, reproduction, republishing, uploading, downloading, posting, transmitting, or duplication of any of the material is prohibited.

We distribute most of our insurance products through independent business people. We refer to them as “brokers”. In some states they are called “producers” or “agents”.

Brokers do not work for any particular insurance company. Brokers work for their clients. Typically, brokers have contracts with several different insurers. These contracts allow the brokers to submit their clients’ insurance applications to the insurer that has the most appropriate product for each client.

In keeping with the standard and historical practice of our industry, we pay commissions to brokers. These commissions are paid when insurance coverage is issued in response to applications the broker’s submit on behalf of their clients. Commissions are calculated as a percentage of the premium paid. Commissions paid during the first year coverage is in force are higher, and later year commissions are lower. On average, a broker will earn between 7% and 15% over the life of a typical insurance plan. If you keep your coverage longer than the typical insured, your broker’s commission will be a smaller percentage of premiums.

Now and then, we will offer financial incentives to brokers, paying them extra if they submit more applications. We also have some brokers (called “key brokers”) who regularly receive volume-based financial incentives.

We do not currently allow brokers to collect any compensation from their clients. Commissions paid to brokers are a cost of doing business, and, thus, are one factor used to calculate premium rates. However, the amount that a particular broker is paid does not directly change the amount his clients pay for their insurance.