Trademarks & Copyright Unless otherwise noted, the content, material, graphic images, buttons, layout, and text contained in this website are the exclusive property of The Millay Group, Inc., and/or its affiliates, or the insurance companies represented, and all rights therein are reserved. The content, material, graphic images, buttons, layout, and text contained in this website may not be copied or distributed, in whole or in part, without the express written consent of The Millay Group, Inc. Permission is granted to print copies of this document with a computer solely for personal or internal use. Any other use is unauthorized. Logos for the insurance companies represented on this site are the exclusive property of the respective insurance company so depicted and are used with permission. Legal Notice and Disclaimer THE MATERIALS AND INFORMATION ON THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. The Millay Group, Inc. and its related affiliated and subsidiary companies disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. It is your 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. Consult your own legal or tax advisor with respect to your personal situation. The Millay Group, Inc. assumes that you are submitting accurate information on your own behalf, and is not responsible for information you have submitted for or on behalf of someone else, with or without this party's consent. Limitation of Liability In no event shall the Millay Group, Inc. be liable to you or any third-party for damages of any kind, including, but not limited to, direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein. Insurance Rate Information The information used in all insurance rate quotes have been taken from the rate cards and rate manuals which life companies routinely publish and distribute to life agents and brokers. To the best of its ability, The Millay Group, Inc. has done everything it can to ensure that the insurance rate information contained in any insurance rate quotes is up-to-date and accurate. However, accuracy cannot be and is not guaranteed. All insurance rate quotes are for illustration purposes and are based on the information you have supplied. Nevertheless, actual premiums and coverage will be based on age, gender, health history, state of residence, tobacco use, and other criteria as determined by an underwriter. Insurance eligibility and premiums are subject to underwriting. All quotes are based upon excellent health and does not take into consideration occupational or avocation risk. The actual premiums could be higher or coverage may not be available through our agency or the carriers that we represent. Policy approval and actual premiums will be based upon the entire underwriting process including but not limited to, a formal application and related forms, examination results (if required), and specific underwriting criteria or requirements as required or determined by each individual insurance company. The rates reflect the best price available at the time the insurance rate quote is made. Not all policies or companies are available in all states. In the event that there is a discrepancy between the information contained in the insurance rate quotes, and any insurance company-authorized illustration and/or policy, the policy shall govern. Product Restrictions All insurance products are subject to underwriting requirements. Suicide, misstatement and misrepresentation limitations may apply. Availability of premium rates and policy forms may be changed by each insurer without prior notice. Not all insurance policies, products or companies are available in all states. Premium rates and policy forms may be changed without notice by the insurance company at any time. Intended Audience Currently, you must be eighteen (18) years of age of older to use this website, or provide any information through this website, for any purpose, including seeking insurance information or services. This web site is published for some, but not all residents of the United States of America, and expressly excludes the residents of the states of New York and Hawaii. Michael Lee Millay and The Millay Group, Inc. are licensed to sell life insurance in forty-eight (48) states, including District of Columbia and will not accept any applications from residents in a state in which they are not licensed. Michael Lee Millay and The Millay Group, Inc. are not licensed outside of the United States. Links This website may provide links to other websites that are owned or controlled by a third party. The Millay Group, Inc. cannot guarantee that the hyperlinks contained in this site will be accurate at the time of your access. Moreover, The Millay Group, Inc. has no control over the development, maintenance, terms of use, or policies and procedures of third-party sites referenced via hyperlinks. The Millay Group, Inc. assumes no responsibility for the content of any third-party site referenced via hyperlink or otherwise. These hyperlinks are offered as a convenience and for informational purposes only, not as referrals or endorsements of the third-party sites. Data Protection Neither Michael Millay nor The Millay Group, Inc. is obligated to monitor any transmission made through the respective web pages and newsgroups. However, The Millay Group, Inc. has the right, but not the obligation, to monitor any transmission made to and for this web site. The Millay Group, Inc., may use or disclose information gathered from the web site. Licenses The Millay group, Inc. is currently licensed to sell life insurance in 48 states. All license numbers or available upon request and are provided where required. Agent license numbers are listed below as required by state law in California, Minnesota, Louisiana, Utah, Arkansas and Massachusetts:

• California residents: Millay and Associates Insurance Services, agent Michael Lee Millay, DBA The Millay Group, Inc., under agent #0D99205;
• Minnesota residents: Michael Lee Millay -agent #20011369
• Louisiana residents: Michael Lee Millay -agent #214591
• Utah residents: Michael Lee Millay -agent #84073
• Arkansas residents: Michael Lee Millay -agent #42209
• Massachusetts residents: Michael Lee Millay -agent #175021