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DISCLAIMERS

Life Insurance

Ask Gema is required to notify you that insurance and annuities are not bank deposits, not FDIC insured, and are therefore subject to investment risk. You should obtain the advice of counsel, tax preparers, and accountants to determine whether life insurance meets your individualized needs in terms of use, limits, and any impacts on your trust-and-estate planning.

Our Licenses and Lines of Authority

Sky Gem Solutions Group LLC, d.b.a., Ask Gema, only sells insurance in states where it is licensed. All solicitations to apply for insurance and applications for insurance are made through Sky Gem Solutions Group LLC, which holds active licenses in:

  1. Alabama License #3004021854
  2. Alaska License #3004022076
  3. Arizona License #3004021875
  4. Arkansas License #3004021855
  5. California License #6018399
  6. Colorado License #928837
  7. Connecticut License #3004021870
  8. Delaware License #412410243
  9. District of Columbia License #3004021857
  10. Florida License #L134372
  11. Georgia License #244063
  12. Hawaii License #3004021991
  13. Idaho License #3004023839
  14. Illinois License #3004021893
  15. Indiana License #4183488
  16. Iowa License #3004021996
  17. Kansas License #3004021887
  18. Kentucky License #1441043
  19. Louisiana License #1246987
  20. Maine License #AGN536958
  21. Maryland License #3004021896
  22. Massachusetts License #3004039090
  23. Michigan License #0158768
  24. Minnesota License #41016790
  25. Mississippi License #15054854
  26. Missouri License #3004023180
  27. Montana License #3004021902
  28. Nebraska License #3004021962
  29. Nevada License #4183297
  30. New Hampshire License #3004021963
  31. New Jersey License #3004021937
  32. New Mexico License #3004024024
  33. New York License #LA-1958735
  34. North Carolina License #3004021852
  35. North Dakota License #3004021905
  36. Ohio License #1714106
  37. Oklahoma License #3004021917
  38. Oregon License #3004073462
  39. Pennsylvania License #1293874
  40. Rhode Island License #3004021924
  41. South Carolina License #3004021948
  42. South Dakota License #22085388
  43. Tennessee License #3004021844
  44. Texas License #3445037
  45. Utah License #1102984
  46. Vermont License #3004021848
  47. Virginia License #165372
  48. Washington License #1343269
  49. West Virginia License #3004027292
  50. Wisconsin License #3004021950
  51. Wyoming License #655528

Artificial Intelligence Chatbot Terms

Our Use of Content

We may use content to provide, maintain, develop, and improve our services, comply with applicable law, enforce our terms and policies, and keep our services safe.

When You Use Our Services, You Understand and Agree

  • Output may not always be accurate. You should not rely on output from our services as a sole source of advice on whether our life insurance policy is tailored best to your needs. Agents will assess your situation after intake and flag any discrepancies, but you are advised to seek the advice of counsel, tax preparers, and accountants as you make your decision.
  • Our services may provide incomplete, incorrect, or offensive output that does not represent Ask Gema's views.
  • If output references any third-party products or services, it doesn't necessarily mean the third party is affiliated with Ask Gema or that either party endorses the other.

Accuracy

Artificial intelligence and machine learning are rapidly evolving fields of study. We constantly work to improve our services to make them more accurate, reliable, safe, and beneficial. Given the probabilistic nature of machine learning, use of our service may, in some situations, result in output that does not accurately reflect real people, places, or facts. Our agents assess your specific situation after intake and will address any discrepancies or issues at that time.

Information We May Collect by Visiting Our Site

For more information about the information we collect, please see our Privacy Policy and Terms of Use.

Indemnification

  • By using our website, you hold Ask Gema and Sky Gem Solutions Group LLC, and its assigns, agents or parent company, harmless from and against any claims, actions, or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from: (i) information you provide, (ii) your breach of these Terms of Use; (iii) your access to, use, or misuse of Ask Gema's services; or (iv) your violation of any applicable laws, rules or regulations.
  • Ask Gema is not responsible for damage or injury to you, your computer or other electronic devices, or your personal network allegedly caused by accessing the Ask Gema platform.
  • Ask Gema is not liable for any damages (to the extent permitted by law).