Copyright 1999 - 2018 Senior Market Sales, Inc. ® (SMS), 8420 West Dodge Road, Suite 510, Omaha, NE 68114 U.S.A. All Rights Reserved. Use, duplication, or disclosure by the United States Government is subject to the restrictions set forth in DFARS 252.227-7013(c)(1)(ii) and FAR 52.227-19.

Click here to view Senior Market Sales' Insurance Licenses.

Except as may be otherwise indicated in specific documents within this publication, you are authorized to view, copy, print, and distribute documents within this publication, subject to your agreement that:

  1. Your use is for informational and non-commercial purposes only;
  2. You will not modify the documents or graphics;
  3. You will not copy or distribute graphics separate from their accompanying text; Nor will you quote materials out of their context;
  4. You will display the above copyright notice and retain any other copyright and other proprietary notices on every copy you make;

Neither SMS nor any third party has conferred upon you by implication, estoppel or otherwise, any license or right under any patent, trademark or copyright (except as expressly provided above).

This publication is provided "as is", for your information only, without warranty of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. You assume all risks concerning the suitability and accuracy of the information within this publication. This publication may contain technical inaccuracies or typographical errors. SMS assumes no responsibility for and disclaims all liability for any such inaccuracies, errors or omissions in this publication and in other documents referred to within or linked to this publication. Prices, technical specifications and product offerings are subject to change without notice, at any time.

Should you, or any viewer of this publication, respond with information, feedback, data, questions, comments, suggestions or the like regarding the content of this publication, any such response shall be deemed not to be confidential and SMS shall be free to reproduce, use, disclose and distribute the response to others, without limitation. You agree that SMS shall be free to use any ideas, concepts or techniques contained in your response for any purpose whatsoever including, but not limited to, developing, manufacturing and marketing products incorporating such ideas, concepts or techniques.

This publication is distributed internationally and may contain references to SMS or other insurance products, programs and services that have not been announced in your country. These references do not imply that SMS intends to announce such products, programs or services in your country.

Product names, logos, designs, titles, words or phrases within this publication may be trademarks, service marks, or trade names of SMS or other entities and may be registered in certain jurisdictions.

The Travel Insurance Experts