Legal
Terms of Service
Last Updated: March 22, 2026
Important: Please read these Terms of Service carefully before using this website. By accessing or using this Site, you agree to be bound by these Terms. This Site is operated by licensed insurance professionals and is not affiliated with any government program.
1. Acceptance of Terms
By accessing or using this website ("Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site. These Terms apply to all visitors, users, and others who access or use the Site.
2. Nature of This Website
This Site is operated by licensed life insurance professionals and is intended to provide general educational information about Indexed Universal Life (IUL) insurance strategies. The Site facilitates connections between consumers and licensed insurance advisors. This Site does not constitute an offer to sell or a solicitation of an offer to buy any insurance product or security.
3. Not Investment or Legal Advice
Nothing on this Site constitutes financial, investment, tax, or legal advice. IUL policies are life insurance products — not securities, investment products, or guaranteed savings accounts. All information provided is for general educational purposes only. You should consult with a licensed insurance professional, financial advisor, and/or tax professional before making any financial or insurance decisions. Past index performance does not guarantee future results.
4. No Guarantee of Results
We make no representations or warranties that any IUL strategy, illustration, or projection will achieve any particular result. Policy performance depends on many factors including but not limited to: the index selected, cap rates, participation rates, spread fees, cost of insurance charges, policy expenses, and the amount and timing of premium payments. Illustrations are hypothetical and for informational purposes only.
5. Advisor Relationship
Submitting your information through this Site does not create an insurance contract, a client-advisor relationship, or any binding obligation. You will be connected with a licensed insurance advisor who will contact you to discuss your options. The advisor assigned to you is an independent licensed professional. We do not guarantee the availability, responsiveness, or suitability of any particular advisor.
6. TCPA Consent and Communications
By submitting your contact information through this Site, you expressly consent to be contacted by licensed insurance advisors and their representatives via telephone calls (including autodialed or prerecorded calls), text messages (SMS/MMS), and email at the phone number and email address you provide, even if your number is on a national or state Do Not Call registry. You understand that consent is not a condition of purchase. Message and data rates may apply. You may opt out at any time by replying STOP to any text message or by contacting us directly.
7. Accuracy of Information
We strive to keep the information on this Site accurate and up to date, but we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the Site. Insurance regulations, product availability, and carrier terms change frequently. Always verify current information with a licensed advisor.
8. Third-Party Links
This Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. Linking to a third-party site does not imply endorsement of that site or its content.
9. Intellectual Property
All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of CompareIUL or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
10. Limitation of Liability
To the fullest extent permitted by applicable law, CompareIUL, its owners, operators, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of this Site or any information obtained from it. Our total liability to you for any claim arising from your use of the Site shall not exceed $100.
11. Indemnification
You agree to indemnify, defend, and hold harmless CompareIUL and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site.
12. Privacy
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection and use of your personal information.
13. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which CompareIUL operates, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the Site shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction.
14. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.
15. Contact Us
If you have any questions about these Terms of Service, please contact us through the contact information provided on this Site. A licensed representative will respond to your inquiry within 2 business days.