Terms of use
The rules for using this site, and the limits of what anything on it means.
Agreement
By using this site you agree to these terms. If you do not agree, please do not use it.
This site is not an offer of insurance
Everything here is general information about insurance products and about a career in insurance. It is not an offer to sell, or a solicitation to buy, insurance in any state where Zamarin & Co. or the individual agent is not licensed. No coverage is in force, and no application is accepted, until an insurance carrier issues a policy and any required first premium is paid. Submitting a form on this site does not bind coverage.
About the estimator
The coverage estimator produces an illustrative range based on the general answers you give. It is not a quote, not a rate, and not an offer. It does not use carrier rate tables and it does not account for underwriting. Your actual premium is determined by the carrier after a full application, and it depends on your age, health history, medical exam results where required, tobacco use, occupation, avocations, the product selected, and the state you live in. Real numbers come from a licensed agent after a real application.
Not professional advice
Nothing here is legal, tax, accounting, or investment advice. Life insurance interacts with estate planning and taxes in ways that depend entirely on your situation. Talk to your own attorney or tax professional before relying on anything you read here.
Licensing
Zamarin & Co. Advisory Partners is a business name used by Aliona Zamarin, an independent insurance producer, National Producer Number 21713809, licensed in NC, SC, FL, TX, VA, OH, MI, WA, PA and MA, working in partnership with Symmetry Financial Group. She operates as a sole proprietor rather than through a company. Product availability, features, riders, and pricing vary by state and by carrier, and not every product described here is available in every state. See the compliance and licenses page for license numbers.
Career applications
Information about an insurance career on this site describes an independent contractor opportunity, not employment. Agents are 1099 contractors compensated by commission, responsible for their own licensing, taxes, and business expenses.
No agent’s earnings, success, or production should be viewed as typical. Any figures shown anywhere on this site, including in the income selector in the application, are illustrations of what some agents have achieved, not averages, not projections, and not a representation of what you will earn. Results depend on individual effort, skill, time invested, and market conditions, and there is no guarantee of any income at all. Submitting an application does not create a contract or an offer of any position.
Testimonials
Any quotes shown on this site reflect the experience of the individual who gave them. Individual results vary, and no outcome is promised.
Content and trademarks
The text, design, code, and images on this site belong to Zamarin & Co. Advisory Partners or are used with permission. You may read and share links freely. Please do not copy the content wholesale for commercial use without asking.
Links and embedded content
This site links to and embeds material from other services, including video hosted elsewhere. We do not control those services and we are not responsible for their content, their privacy practices, or their availability.
No warranty, and limits on liability
This site is provided as it is. We work to keep it accurate and available, but we do not warrant that it will be uninterrupted, error free, or current. To the fullest extent the law allows, Zamarin & Co. Advisory Partners is not liable for indirect or consequential damages arising from your use of this site. Nothing here limits any liability that cannot be limited by law, including obligations owed to you under state insurance regulation.
Governing law
These terms are governed by the laws of the State of North Carolina, without regard to conflict of laws rules.
Changes
We may update these terms. The date at the top of this page reflects the most recent version.
Contact
Reach us with the phone number or email address in the footer of this page.