Effective Date: Jan 1, 2025

Welcome to [Your Company Name] ("we," "us," or "our"). By accessing and using our website [Your Website URL] (the "Site") or any services offered through the Site, including but not limited to providing quotes or applying for Indexed Universal Life (IUL) insurance, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with these Terms, please do not use our Site or services.

1. Eligibility

By using our Site and services, you represent and warrant that you are at least 18 years of age, have the legal capacity to enter into a binding agreement, and reside in a jurisdiction where our services are available.

2. Use of Our Services

You agree to use the services provided through our Site for lawful purposes only. You are prohibited from using the Site to:

Engage in fraudulent activities or misrepresentation.

Violate any applicable laws or regulations.

Distribute malware, viruses, or any harmful computer code.

Interfere with or disrupt the operation of the Site or any network connected to the Site.

3. Registration and Account Information

In order to access certain services, you may be required to create an account with us. You agree to provide accurate, current, and complete information during the registration process, and to update this information as necessary. You are solely responsible for maintaining the confidentiality of your account information, including your username and password.

4. Quotes and Applications for IUL Insurance

Our Site may offer tools to request a quote or apply for an Indexed Universal Life (IUL) insurance policy. By requesting a quote or submitting an application, you:

Acknowledge that the quote or application is based on the information you provide, which may not be final or binding.

Agree that you will provide true, accurate, and complete information in your application. Failure to do so may result in delays or the inability to process your application.

Understand that the issuance of an IUL policy is subject to underwriting and approval by the insurer, and that we do not guarantee the acceptance of any application.

5. Insurance Policy Agreements

The terms and conditions of any life insurance policy you purchase from us will be governed by the policy contract itself. Our Site may provide general information and tools for understanding IUL products, but the specific terms of any policy will be outlined in the policy documentation you receive.

6. Privacy

Your use of our Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our services, you consent to the practices described in our Privacy Policy.

7. Limitations of Liability

To the maximum extent permitted by applicable law, [Your Company Name], its affiliates, and its employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or services, even if we have been advised of the possibility of such damages. Our liability is limited to the amount you have paid for our services in the past 12 months, or the extent permitted by law.

8. Indemnification

You agree to indemnify and hold harmless [Your Company Name], its affiliates, and its employees from any claims, damages, losses, and expenses (including legal fees) arising out of or in connection with:

Your use of the Site and services.

Any violation of these Terms by you.

Any breach of your representations and warranties under these Terms.

9. Intellectual Property

All content on the Site, including text, graphics, logos, images, software, and other materials (collectively, "Content"), is the property of [Your Company Name] or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, copy, modify, or distribute any Content without our prior written consent, except as allowed by these Terms.

10. Third-Party Links

Our Site may contain links to third-party websites that are not owned or controlled by us. We are not responsible for the content, privacy practices, or terms of use of these third-party websites. You access these sites at your own risk and should review their terms and privacy policies before providing any personal information.

11. Termination

We reserve the right to suspend or terminate your access to our Site and services, without notice, if we believe you have violated these Terms or for any other reason. Upon termination, you must cease all use of the Site, and any obligations or responsibilities you have to us will survive.

12. Dispute Resolution and Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflict of law principles. Any disputes arising out of or in connection with these Terms shall be resolved through binding arbitration conducted by [Arbitration Provider] in [Location], and the parties waive any right to a trial by jury.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on this page, with the updated effective date. Your continued use of the Site after such changes constitutes your acceptance of the revised Terms.

14. Contact Us

If you have any questions about these Terms, please contact us