DISCLAIMER 

Kersten & Associates has created this website to provide information regarding Long Term Care and insurance products available to meet the needs of an aging population. While we have made every effort to make sure the information contained in these pages is as accurate as possible, we disclaim any implied warranty or representation as to its completeness or appropriateness for all readers. We have made use of information provided by various insurance carriers regarding their products and services. This information may be changed or revised without notice. It is our aim to keep the information as up-to-date as possible but are not responsible for any changes in services, provisions, or costs not made available to us. 

PRIVACY STATEMENT

Kersten & Associates gathers data from the activity on this website, such as the number of people who visit the site. It also obtains information from individuals interested in using the services offered on the site regarding proposals for Long Term Care insurance. This information is provided voluntarily and held in the strictest confidence. No information submitted on this site is shared with any other organization or individual. If an application is made for the purchase of insurance, this information is released to the insurance company selected only with the consent of the applicants. We will not sell, give, rent or lease your name or email address for any other purpose.

LINKING TO OTHER WEBSITES 

We have included links to other sites which provide information on Long Term Care and general services and providers. Kersten & Associates has no control on the content and availability of these sites and is not responsible for the accuracy or the privacy policies of these sites.