Last updated: September 22, 2025

1. Service Description

Policy Assistants operates as a lead generation platform that connects consumers with licensed insurance professionals for Indexed Universal Life (IUL) insurance quotes and information. We are not an insurance company and do not sell insurance directly.

2. How Our Service Works

•You complete our online form with basic information about your insurance interests

•We match you with licensed insurance professionals in your state who specialize in IUL products

•These professionals provide personalized IUL quotes and information at no cost to you

•You decide whether to work with any of the professionals we connect you with

3. Agent Relationship and Vetting Process

Our Vetting Process:

•All insurance professionals must be licensed in your state

•We verify licensing status and ensure agents have experience with IUL products

•Agents must demonstrate knowledge of IUL products and maintain good standing with state insurance departments

Your Relationship with Agents:

•Quotes and insurance advice come from licensed professionals, not Policy Assistants

•Your relationship with any insurance professional is independent of Policy Assistants

•We may receive compensation from insurance companies or agents for successful referrals

•You are under no obligation to work with any referred professional

4. Your Information

•We collect only information necessary to provide accurate quotes and match you with appropriate professionals

•Your information is shared only with licensed professionals you're matched with in your state

•You may opt out of communications at any time by contacting us

•See our Privacy Policy for detailed information about how we handle your data

5. No Insurance Advice or Guarantees

What We Don't Do:

•Policy Assistants does not provide insurance advice, recommendations, or guarantees

•We do not guarantee any specific insurance outcomes, pricing, or coverage terms

•We make no representations about the performance of IUL products or specific insurance companies

What Licensed Professionals Do:

•All insurance guidance, advice, and recommendations come from licensed professionals

•Individual results and coverage options vary by state, personal circumstances, and insurance company policies

•Each professional is responsible for their own advice and recommendations

6. User Responsibilities

By using our service, you agree to:

•Provide accurate information for quote and matching purposes

•Communicate directly with referred professionals about your insurance needs

•Make your own informed decisions about any insurance purchases

•Comply with all applicable laws and regulations

•Not use our service for any unlawful or prohibited purpose

7. Limitation of Liability

Service Provided "As Is":

•Our service is provided "as is" without warranties of any kind

•We make no guarantees about the availability, accuracy, or reliability of our service

•We are not responsible for the actions, advice, or services of referred insurance professionals

Limited Liability:

•Policy Assistants' liability is limited to the maximum extent permitted by law

•We are not liable for any damages arising from your use of our service or interactions with referred professionals

•Your relationship with insurance professionals is independent of Policy Assistants

8. Intellectual Property

All content on our website, including text, graphics, logos, and software, is owned by Policy Assistants and protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

9. Prohibited Uses

You may not use our service to:

•Provide false or misleading information

•Attempt to circumvent our matching process

•Harass or abuse our referred professionals

•Violate any applicable laws or regulations

•Interfere with the operation of our website or service

10. Termination

We reserve the right to terminate or suspend your access to our service at any time, with or without notice, for any reason, including violation of these terms.

11. Modifications to Terms

We may update these Terms of Service at any time. Material changes will be posted on our website with an updated "Last updated" date. Continued use of our service after changes constitutes acceptance of the updated terms.

12. Governing Law

These Terms of Service are governed by the laws of the United States and the state in which Policy Assistants operates, without regard to conflict of law principles.

13. Contact Information

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

Email: [email protected]

Website: policyassistants.com

By using Policy Assistants' service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.