Terms of Service

1. Acceptance of Terms

By accessing or using the Lifinity IUL Experts website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Services Provided

Lifinity IUL Experts provides information, consultation, and assistance related to Indexed Universal Life (IUL) insurance products. We connect clients with licensed insurance carriers and help facilitate the insurance application process.

3. Insurance Product Disclaimer

Important disclaimers regarding insurance products and services:

• All insurance products are subject to underwriting approval by the insurance carrier.
• Quotes provided are estimates and may change based on underwriting results and health evaluations.
• Past performance of index-linked accounts does not guarantee future results.
• IUL policies involve risks, including the potential for loss of premium payments if the policy lapses.
• We are not financial advisors; our services are limited to insurance product information and facilitation.

4. User Obligations

When using our services, you agree to:

• Provide accurate, complete, and truthful information in all forms and applications.
• Maintain the confidentiality of any account credentials or personal information.
• Not use our website for any unlawful or fraudulent purposes.
• Not attempt to interfere with the proper functioning of our website or services.

5. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Lifinity IUL Experts or its content suppliers and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

6. Limitation of Liability

To the fullest extent permitted by law, Lifinity IUL Experts shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services. Our total liability shall not exceed the amount of fees paid by you for our services, if any.

7. Indemnification

You agree to indemnify, defend, and hold harmless Lifinity IUL Experts, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising out of your use of our services, violation of these Terms, or infringement of any third-party rights.

8. Privacy

Your use of our website is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

9. Third-Party Services

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of service of these third-party sites. Your interactions with third parties are solely between you and the third party.

10. Termination

We reserve the right to terminate or suspend your access to our website and services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of Nevada.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page with an updated "Last updated" date. Your continued use of our website after changes are posted constitutes your acceptance of the revised Terms.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely matches the intent of the original provision.

14. Contact Us

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