Terms and Conditions:

Terms and Conditions

Effective Date: May 12, 2025
Business Name: Timothy Rowell (A.K.A. The Unpredictable Life Company)
Business Address: 1221 Providence Rd Scranton, PA 18508
Contact: (570) 616-8393 or cell (272) 770-9542
NPN (National Producer Number): 21374351
PA Insurance License Number: 1219312

OR Insurance License Number: 21374351

WA Insurance License Number: 1297761

Welcome to The Unpredictable Life Company. These Terms and Conditions (“Terms”) govern your use of our website and services related to the solicitation, consultation, and facilitation of life insurance products from licensed insurance carriers. By accessing or using our services, you agree to be bound by these Terms.

1. Broker Role and Limitation

[Your Brokerage Name] is a licensed insurance broker in the Commonwealth of Pennsylvania. We act as an intermediary between clients and licensed insurance carriers. We do not issue insurance policies, nor do we underwrite, approve, or guarantee any coverage.

Our role includes:

  • Providing guidance on available life insurance options.

  • Assisting with applications and documentation.

  • Communicating with insurers on behalf of clients.

Final decisions regarding approval, premium rates, benefits, and claims rest solely with the issuing insurance carrier.

2. Licensing and Compliance

Timothy Rowell and The Unpredictable Life Company are fully licensed and regulated by the Pennsylvania Insurance Department. We adhere to all applicable state and federal laws, including:

  • The Pennsylvania Insurance Company Law of 1921.

  • The Unfair Insurance Practices Act.

  • The Gramm-Leach-Bliley Act (GLBA).

  • HIPAA (as applicable to health information handling).

We act with integrity and transparency, and we do not represent any insurer unless clearly disclosed.

3. Insurance Products

We assist clients in obtaining life insurance policies such as:

  • Term Life

  • Whole Life

  • Universal Life

  • Final Expense

Products are offered only from carriers licensed to operate in Pennsylvania. All insurance policies are subject to underwriting guidelines and carrier-specific terms.

4. No Guarantee of Coverage

Submitting an application through our brokerage does not guarantee coverage. All life insurance policies are subject to underwriting by the carrier. We are not liable for a carrier’s decision to deny or modify coverage.

5. Privacy and Data Use

We collect personal, financial, and health-related information solely for the purpose of assisting you in obtaining life insurance. We:

  • Use your data only as necessary to fulfill brokerage services.

  • Protect your data in compliance with HIPAA (where applicable), GLBA, and Pennsylvania privacy laws.

  • Share data only with insurers, underwriters, and service providers as required to process your application.

For more information, see our [Privacy Policy].

6. No Legal, Tax, or Financial Advice

Our services do not constitute legal, tax, or financial advice. You should consult with a licensed tax or financial professional in those areas before making decisions.

7. Commissions and Compensation

We are compensated through commissions paid by insurance carriers. These payments do not impact your premium and are disclosed upon request, in accordance with Pennsylvania’s disclosure requirements.

8. Client Responsibilities

You agree to:

  • Provide accurate and complete information in your application.

  • Review policy documents issued by the insurance carrier.

  • Ask questions if you need clarification on terms, benefits, or exclusions.

9. Website Use and Content

Our website is provided for informational purposes. While we strive to ensure accuracy, we do not warrant that all information is current or complete. Use of our website is at your own risk.

10. Limitation of Liability

We are not liable for:

  • Carrier decisions regarding underwriting or claims.

  • Any misrepresentations made by third-party insurers.

  • Indirect or consequential damages related to your use of our services.

11. Governing Law

These Terms are governed by the laws of the Commonwealth of Pennsylvania. Disputes shall be resolved in state or federal courts located in Pennsylvania.

12. Changes to These Terms

We reserve the right to amend these Terms at any time. Updates will be posted on our website with a revised effective date. Continued use of our services constitutes your acceptance of those changes.

13. Contact Us

If you have questions about these Terms or our services, contact us at:
Email: TRowellLife@gmail.com
Phone: (570) 616-8393 or (272) 770-9542
Business Hours: Mon–Sat, 9 AM–9 PM EST and Sunday by appointment