This website is owned by Edwin Morales a licensed insurance agent. Invitations for applications for insurance on EMFinancialGroup.com are made through Edwin Morales only where licensed and appointed. EM Financial Group is not an insurer. The insurance company/carrier determines whether you will be approved for coverage and any premium rating you will be offered. There is no guarantee that you will qualify for the advertised savings, rates, fees or terms shown. Underwriting decisions vary based upon the product applied for, your health and other factors determined by the insurers. Rates, fees and other terms are not guaranteed, unless indicated otherwise, and may change.