Disclaimer

SCORES, COACHING, AND FEEDBACK INSIDE QUIVORA, INCLUDING ANY PRACTICE SAFEGUARDS/TRAINING RULES RAISED DURING PRACTICE, ARE TRAINING SIGNALS INSIDE A SIMULATION. THEY ARE NOT A DETERMINATION THAT ANY REAL CONVERSATION, PRACTICE, OR SALES APPROACH IS COMPLIANT WITH THE LAWS OF ANY STATE, THE RULES OF ANY INSURANCE CARRIER, OR THE POLICIES OF ANY FIRM.

QUIVORA SERVICES DO NOT PROVIDE TRAINING FOR COMPLIANCE PURPOSES, CONTINUING EDUCATION CREDIT OR LEGAL/REGULATORY ADVICE. STATE SPECIFIC REQUIREMENTS VARY. THE AGENT IS SOLELY RESPONSIBLE FOR COMPLIANCE.

SIMULATED ROLE-PLAY SCENARIOS, POLICY TERMS, RATES, RIDERS, AND ILLUSTRATIONS ARE FICTIONAL AND MUST NEVER BE QUOTED TO CONSUMERS. ROLEPLAY RESPONSES ARE NOT INTENDED TO REFLECT SUITABILITY OR BEST-INTEREST STANDARDS FOR ANY AGENT’S ACTUAL CUSTOMER INTERACTIONS.

NOTHING IN QUIVORA IS ADVICE ABOUT LAW, TAXATION, SUITABILITY, OR ANY FINANCIAL PRODUCT. SIMULATED PRODUCT DISCUSSIONS ARE GENERIC TRAINING SCENARIOS AND MAY NOT REFLECT ANY REAL PRODUCT'S TERMS.

QUIVORA SUPPLEMENTS, AND DOES NOT REPLACE, THE TRAINING, SUPERVISION, AND CONTINUING-EDUCATION REQUIREMENTS OF YOUR STATE, INSURANCE CARRIER, OR FIRM.

RECOMMENDATIONS TO REAL CLIENTS, PROSPECTS, APPLICANTS, POLICYHOLDERS, OR CONSUMERS MUST BE MADE BY A LICENSED PRODUCER BASED ON THE CLIENT'S ACTUAL SITUATION AND THE PRODUCER'S OWN OBLIGATIONS. NEVER REPEAT SIMULATED CONTENT TO A CLIENT AS IF IT WERE VERIFIED PRODUCT INFORMATION.

YOU ARE RESPONSIBLE FOR HOLDING THE LICENSES YOUR WORK REQUIRES, FOR FOLLOWING THE LAWS AND RULES THAT APPLY TO YOU, AND FOR VERIFYING ANY PRODUCT INFORMATION WITH THE INSURANCE CARRIER BEFORE USING IT WITH A REAL CLIENT, PROSPECT, APPLICANT, POLICYHOLDER, OR CONSUMER. IF ANYTHING YOU PRACTICE IN QUIVORA CONFLICTS WITH YOUR INSURANCE CARRIER'S OR STATE'S REQUIREMENTS, FOLLOW YOUR INSURANCE CARRIER AND YOUR STATE, NOT THE SIMULATION.

THE USER IS RESPONSIBLE FOR CONFIRMING THEIR OWN E&O COVERAGE AND THAT QUIVORA MAKES NO REPRESENTATION THAT USE OF ITS PRODUCTS IS COVERED UNDER ANY POLICY.

CONVERSATIONS IN QUIVORA ARE GENERATED BY AN AI MODEL PLAYING A FICTIONAL PROSPECT. AI OUTPUT CAN BE WRONG, OUTDATED, OR UNREALISTIC. TREAT EVERY SIMULATED CONVERSATION AS PRACTICE MATERIAL, NOT AS A FACTUAL REFERENCE.