Welcome to DARBEYBIZ! Before engaging in our services, we ask all clients to review and agree to our Contract Terms and Conditions. These terms outline our responsibilities, the nature of our services, and important legal information to ensure a clear and transparent relationship between DARBEYBIZ and our valued clients.

1. Service Agreement

By entering into an agreement with DARBEYBIZ, you acknowledge that we are an independent life insurance agency licensed in Massachusetts. We provide consulting and brokerage services to help you select life insurance policies that meet your needs, including term life insurance, whole life insurance, universal life (UL), indexed universal life (IUL), and final expense insurance.

2. Independent Agent Role

DARBEYBIZ is an independent agency, meaning we work with multiple insurance providers to find options tailored to your requirements. However, the final choice of policy is your responsibility, based on the options provided during our consultation.

3. Consultation and Fees

  • Consultations: Initial consultations are available to help assess your needs and discuss potential insurance solutions. Any specific fee arrangements for ongoing services will be agreed upon before services are rendered.
  • Policy Premiums: Premiums vary based on the chosen policy and are payable directly to the selected insurance provider. DARBEYBIZ does not collect or manage premium payments.

4. Policy Application and Approval

Our services include assisting with policy applications; however, final approval is determined by the insurance provider based on their underwriting criteria. DARBEYBIZ does not guarantee policy issuance, as this decision is under the sole discretion of the provider.

5. Confidentiality and Privacy

DARBEYBIZ values your privacy and adheres to strict confidentiality practices. All personal information collected during consultations and throughout the policy selection process will be kept secure and used solely to provide and improve our services. Please refer to our Privacy Policy for further details.

6. Limitation of Liability

While DARBEYBIZ strives to provide accurate and relevant insurance information, we cannot be held liable for any damages or losses resulting from decisions made based on our services or information provided on this website. Clients are responsible for reviewing their chosen policy terms and conditions in detail before finalizing their insurance plan.

7. Changes to Terms and Services

DARBEYBIZ reserves the right to amend these terms or adjust services provided. Any changes will be communicated directly to existing clients and updated on our website for reference. Continued use of our services following any changes constitutes acceptance of the updated terms.

8. Cancellation Policy

Clients may choose to cancel services with DARBEYBIZ at any time by providing written notice. Cancellations may affect pending applications or policy management services, depending on the timing and provider policies.

9. Contact Information

For any questions regarding this contract, or if you wish to discuss your insurance needs, please reach out to us directly:

  • Phone: 508-864-7332
  • Email: darbeys@gmail.com
  • Office Address: 4 E Central Street, Suite 416, Worcester, MA 01606

Acceptance of Terms

By engaging with DARBEYBIZ’s services, you confirm your understanding and acceptance of these terms and conditions. We look forward to serving you and helping you secure peace of mind through our personalized life insurance solutions.