LifeSource Direct Insurance Services 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.

In no event shall LifeSource Direct Insurance Services and its related, affiliated and subsidiary companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

Copyright Notices

Unless otherwise noted, the graphic images, buttons, layout, and text contained in this Web site are the exclusive property of LifeSource Direct Insurance Services and its related, affiliated and subsidiary companies, and may not be copied or distributed, in whole or in part, without the express written consent of LifeSource Direct Insurance Services. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use. Insurance company logos are the exclusive property of the respective insurance companies, and are used with permission.

Data Protection

LifeSource Direct Insurance Services is not obligated to monitor any transmission made through the respective Web pages and newsgroups. However, LifeSource Direct Insurance Services has the right, but not the obligation, to monitor any transmission made to and for this Web site. LifeSource Direct Insurance Services may use or disclose information gathered from the site.

Intended Audience

This site is published for some, but not all the residents of the United States of America. This site is not intended for use by residents of South Dakota, or of any countries other than the United States of America. Information concerning the identity, history, and products of each insurance company represented by LifeSource Direct is intended for residents of states in which that insurance company is licensed. No applications will be sought or accepted on behalf of any insurance company from a resident of a state in which that company is not licensed. Availability of products varies by state.

Product Restrictions

Policies not available in all states. Suicide, misstatement, and misrepresentation restrictions may apply. All applications for insurance are subject to underwriting qualification by the specific insurance company to which the application is submitted. Availability of premium rates and policy forms may be changed by each insurer without prior notice.

Licensing Information

Service not available to residents of South Dakota. In all other states we are licensed as LifeSource Direct, LifeSource Direct Insurance Services, Keith Clark or Todd Ruplinger. In all other states licensed as LifeSource Direct Insurance Services.


This website contains various links to other websites. Please be aware that we are not responsible for the privacy practices of other such sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information.

Company Ratings:

All companies we quote are rated A++, A+, A, or A- by the A.M. Best Company, an independent insurance industry analyst that bases its ratings on its analysis of financial strength.

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