Please read these Terms of Service carefully before using the Bowne Policy Pro website. By accessing or using this site, you agree to be bound by these terms.
By accessing, browsing, or using the Bowne Policy Pro website (the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use this website.
These terms apply to all visitors, users, and others who access or use the Site, including those who submit forms, request quotes, or apply for agent opportunities.
Bowne Policy Pro, operated by Kenneth Bowne (NPN: 21759978), is an independent insurance brokerage that provides life insurance products and services to individuals and families. Kenneth Bowne is a licensed insurance producer in multiple states including North Carolina, South Carolina, Tennessee, Texas, Washington, and West Virginia.
The Site serves as an informational resource and a means for prospective clients and agents to connect with Kenneth Bowne. It does not constitute a binding insurance contract or guarantee of coverage.
The content published on this website — including descriptions of insurance products, general information about life insurance, retirement planning, and annuities — is provided for general informational and educational purposes only.
Nothing on this Site should be construed as:
Insurance products and their availability vary by individual health history, age, state of residence, and other factors. For advice specific to your situation, please contact Kenneth Bowne directly at bownepolicypro@outlook.com or (315) 575-0050.
You agree to use this website only for lawful purposes and in accordance with these Terms. You agree not to:
We reserve the right to terminate or restrict your access to the Site at any time, for any reason, without notice.
All content on this website — including text, graphics, logos, images, page layouts, and the Bowne Policy Pro brand identity — is the property of Kenneth Bowne / Bowne Policy Pro and is protected by applicable copyright and trademark laws.
You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our express written permission. Personal, non-commercial use (such as printing a page for your own reference) is permitted.
This website may contain links to third-party websites, including insurance carrier websites, state insurance department portals, and booking/scheduling tools. These links are provided for your convenience only.
Bowne Policy Pro does not endorse, control, or accept responsibility for the content, privacy practices, or accuracy of any third-party website. Your use of any third-party site is governed by that site's own terms and conditions.
This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Bowne Policy Pro makes no representations or warranties regarding:
Insurance product information is subject to change. Always verify current rates, availability, and terms directly with Kenneth Bowne or the applicable insurance carrier.
To the fullest extent permitted by applicable law, Kenneth Bowne and Bowne Policy Pro shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of — or inability to use — this website or its content.
This includes, but is not limited to, damages for loss of profits, data, goodwill, or other intangible losses, even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising from your use of this Site shall not exceed the amount you paid us, if any, in the six months preceding the claim.
You agree to indemnify, defend, and hold harmless Kenneth Bowne, Bowne Policy Pro, and their respective affiliates, agents, and successors from and against any claims, liabilities, damages, losses, and expenses — including reasonable legal fees — arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any third-party rights.
These Terms of Service shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions.
Any dispute arising under or relating to these Terms that cannot be resolved informally shall be subject to the exclusive jurisdiction of the state and federal courts located in Lee County, North Carolina. You consent to personal jurisdiction in those courts.
We reserve the right to modify these Terms of Service at any time. When changes are made, we will update the "Last Updated" date at the top of this page. Your continued use of the website following any changes constitutes your acceptance of the revised Terms.
We encourage you to review these Terms periodically to stay informed of any updates.
If you have any questions about these Terms of Service, please contact us:
Also see our Privacy Policy.