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Please read these Terms of Service ("Terms") carefully before using the Living Benefits Business Protection website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not access our website or use our services.

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms of Service and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use our services related to life insurance and living benefits products.

2. Description of Services

Living Benefits Business Protection provides educational information, consultation services, and facilitates the application process for life insurance products, including Indexed Universal Life (IUL) insurance with living benefits riders, offered through licensed insurance carriers. We act as independent insurance agents and brokers representing multiple insurance companies.

3. Licensing and Regulatory Compliance

Our insurance agents are licensed and appointed to sell life insurance products in accordance with applicable state insurance laws and regulations. All insurance products are subject to underwriting approval by the issuing insurance carrier. We comply with all applicable federal and state insurance regulations, including but not limited to:

• State insurance licensing requirements
• National Association of Insurance Commissioners (NAIC) guidelines
• Federal privacy laws including HIPAA and Gramm-Leach-Bliley Act (GLBA)
• State-specific insurance advertising and solicitation regulations

4. No Guarantee of Coverage or Rates

Information provided on this website, including quotes, illustrations, and product descriptions, is for informational purposes only and does not constitute a contract or guarantee of insurance coverage. All insurance applications are subject to underwriting review and approval by the insurance carrier. Final premium rates, coverage amounts, and policy terms are determined by the insurance carrier based on individual underwriting criteria including but not limited to age, health status, occupation, and lifestyle factors.

5. Educational Information Only

The content on this website is provided for educational and informational purposes only and should not be construed as financial, legal, tax, or investment advice. Living benefits, cash value accumulation, and tax advantages described on this website are subject to specific policy terms, conditions, and limitations. We strongly recommend consulting with qualified financial, legal, and tax professionals before making any insurance purchasing decisions.

6. Accuracy of Information

While we strive to provide accurate and up-to-date information about insurance products and services, 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 website. Insurance product features, benefits, riders, and availability vary by state and insurance carrier and are subject to change without notice.

7. User Obligations

When using our services and submitting information through our website, you agree to:

• Provide accurate, current, and complete information as requested in application forms and questionnaires
• Maintain the accuracy of such information and promptly update it as necessary
• Understand that providing false or misleading information may result in denial of coverage or policy rescission
• Comply with all applicable laws and regulations when using our services
• Not use our website for any unlawful purpose or in any way that could damage, disable, or impair our services

8. Material Misrepresentation

You acknowledge that material misrepresentation or fraud in an insurance application may result in denial of coverage, policy rescission, or denial of claims. All information provided must be truthful and complete. Insurance carriers have the right to investigate and verify information provided in applications.

9. Agent Compensation Disclosure

As independent insurance agents, we receive compensation in the form of commissions from insurance carriers when policies are issued. Commission rates vary by product type and insurance carrier. This compensation does not increase the premium you pay. We are committed to recommending products that are suitable for your needs regardless of commission structure.

10. Intellectual Property Rights

The content, features, and functionality of this website, including but not limited to text, graphics, logos, images, and software, are owned by Living Benefits Business Protection or our licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our express written permission.

11. Third-Party Links and Services

Our website may contain links to third-party websites, including insurance carrier websites and partner services. We are not responsible for the content, privacy policies, or practices of third-party websites. We recommend reviewing the terms and privacy policies of any third-party websites you visit.

12. Limitation of Liability

To the fullest extent permitted by applicable law, Living Benefits Business Protection, its officers, directors, 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 related to your use of our website or services, even if we have been advised of the possibility of such damages.

Our total liability for any claims arising from your use of our services shall not exceed the amount of commissions we received in connection with the insurance policy at issue, if any.

13. Indemnification

You agree to indemnify, defend, and hold harmless Living Benefits Business Protection and its affiliates, officers, agents, and employees from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of our services, your violation of these Terms, or your violation of any rights of another party.

14. State-Specific Provisions

Insurance products and services are regulated at the state level. Certain products, features, riders, and benefits may not be available in all states. State-specific insurance regulations, including free-look periods, grace periods, and consumer protections, apply to all insurance policies issued. Please consult with your licensed agent for information specific to your state of residence.

15. Dispute Resolution and Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which our principal office is located, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by state insurance law.

16. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, such provision shall be modified to reflect the parties' intention or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

17. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. Material changes will be notified by posting the updated Terms on this page with a new "Last Updated" date. Your continued use of our website after any changes constitutes acceptance of the new Terms.

18. Termination

We may terminate or suspend your access to our website and services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use our services will immediately cease.

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Living Benefits Business Protection regarding your use of our website and services, superseding any prior agreements between you and us.

20. Contact Information

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