Please read the following terms and conditions carefully. By accessing this site you agree to be bound by these terms and conditions.

BROWN/RAYBOURN owns the design and information in this Web site. Anthem® Beneflex® United Health Care®, Medben®, Medical Mutual of Ohio®, Supermed One®, Aetna®, Fortis®, Humana®, Medco®, First Health®, The Hartford®, Unum Provident®, and The Hartford® are federally registered service marks of each Company. These marks may not be displayed or otherwise used in any manner without the prior written consent of each company. Any trade names, trademarks or service marks contained within this Web site that are not marks of Brown/Raybourn Insurance are marks of their respective owners.

We have provided links to other Internet sites that may be of interest to you. Brown/Raybourn has no control over such sites and resources, and is not responsible for their availability, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials available from them. We shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of such sites or resources. Your use of such sites or resources shall be subject to the terms and conditions set forth by them.

Postings of information are made at such times as Brown/Raybourn determines in its discretion. Readers should not assume that the information contained in this site has been updated or otherwise contains current information. Brown/Raybourn does not review past postings to determine whether they remain accurate, and information contained in such postings may have been superseded. ALL INFORMATION CONTAINED WITHIN THIS WEB SITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE AND WARRANTY AGAINST INFRINGEMENT. IN NO EVENT SHALL BROWN/RAYBOURN OR ITS AFFILIATES BE LIABLE FOR ANY LOST PROFITS OR DAMAGES, INCLUDING DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, SPECIAL OR ANY OTHER TYPE OF DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF ANY INFORMATION PROVIDED IN THE BROWN/RAYBOURN WEB SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Not all products are offered by Brown/Raybourn nor are all products available for residents of all states. This Web site is not an advertisement of insurance in any state or district except as indicated below for each company.

Brown/Raybourn, 1335 Central Avenue, Ashland, KY 41101, is authorized to transact business in only the following states:

Kentucky, Ohio, West Virginia.