Nothing on this Web site shall be considered a solicitation to buy or an offer to sell insurance or a security to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the insurance and securities laws of such jurisdiction. In addition, this Web site provides only a simplified description of insurance coverages and is not a statement of contract. Coverage may not apply in all states (see Agency License Information). For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable.
Neither Kibble & Prentice, nor any of its respective representatives or advisors has made or makes any representation or warranty, expressed or implied, as to the accuracy of any representations or any liability resulting from the use of content or any errors or omission therein. Only a qualified attorney may prepare any document needed to implement any strategy explained in these materials, and the agent/broker or advisor is not in the business or practicing law, legally representing clients, or drafting legal documents.
When Kibble & Prentice places your insurance coverage with an insurance company, we are paid a sales commission by the insurance company or wholesale broker, as provided in the Agency and/or Broker Agreement which we have in place with the insurance company and/or wholesale broker. In instances where we receive a fee from you or a combination of a fee from you and commission from the insurance company/wholesale broker, we will provide you with a written fee agreement outlining all compensation we receive on your account.
As is customary in the insurance industry, we may receive additional payments from insurance companies with whom we hold an agency contract. These payments are made within the rate structures filed with, accepted by, and approved by the Washington Insurance Commissioner. These payments are generally not client specific, are not guaranteed, and can be based on several factors including the size, growth, retention, and/or profitability of our overall book of business with the insurance company. These agreements do not impair our objectivity nor deter us from our commitment to provide the best combination of service, price and benefits to our clients. In fact, these agreements are intended to compensate us for the many services we provide which create greater value to you and make doing business with us more efficient for the insurance company when compared to other agent relationships. In addition to the aforementioned compensation for services, the insurance companies may also reimburse us for direct out-of-pocket expenses incurred by us in connection with servicing our customers. Should you desire additional information regarding contingency compensation agreements or reimbursements, please contact us.
Kibble & Prentice Affiliates
Kibble & Prentice, a registered investment adviser, offers investment advisory services. Kibble & Prentice is independently owned and operated.