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Terms & Conditions

Last updated: [EFFECTIVE DATE]

These Terms govern your use of this website, operated by [BUYER COMPANY NAME] under the [BUYER BRAND] name. By using the website you agree to these Terms.

Nature of the Service

This website lets you request information about insurance products. [BUYER COMPANY NAME] is not an insurance company and is not affiliated with or endorsed by any government agency. Submitting a request does not bind coverage, and no quote, rate, or approval is guaranteed. Coverage availability, rates, and eligibility depend on the issuing insurer's underwriting and vary by state.

Consent to Be Contacted

If you check the consent box, you agree that [BUYER COMPANY NAME] and its licensed agents may contact you at the phone number you provided, including through calls and text messages using an automatic telephone dialing system, an artificial or prerecorded voice, or an AI-generated voice, regarding insurance products. Consent is not a condition of purchase. Message and data rates may apply; message frequency varies. Reply STOP to opt out of texts or HELP for help. You may revoke consent at any time by any reasonable means, including contacting [CONTACT EMAIL].

Educational Content

Content on this website is for general educational purposes and is not tax, legal, or investment advice. Indexed universal life (IUL) insurance is not a stock-market investment; caps, participation rates, fees, and charges apply, and policy loans and withdrawals reduce cash value and death benefit and may cause a policy to lapse. Consult a qualified professional regarding your situation.

Accuracy of Information

You agree to provide accurate information and to submit only your own contact information.

Limitation of Liability

To the extent permitted by law, the website is provided "as is" without warranties, and [BUYER COMPANY NAME] is not liable for indirect or consequential damages arising from its use.

Governing Law

These Terms are governed by the laws of [STATE].

Contact

[BUYER COMPANY NAME]
[MAILING ADDRESS]
[CONTACT EMAIL] · [CONTACT PHONE]