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DISCLAIMER

THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. TermSmart, LifePro Technologies, Capital Strategies Press, Inc. and their related, affiliated and subsidiary companies and agents, disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

In no event shall TermSmart, LifePro Technologies, Capital Strategies Press, Inc. and their related, affiliated and subsidiary companies and agents, hereinafter referred to as Providers, be liable for any direct, indirect, special, incidental, or consequential damages arising out of the use of the information herein.

Unless otherwise noted, the graphic images, buttons, layout, and text contained in this Web site are the exclusive property of TermSmart, LifePro Technologies and/or Capital Strategies Press, Inc. and/or their related, affiliated and/or subsidiary companies, or the insurance companies represented, and may not be copied or distributed, in whole or in part, without express written consent of the owner. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use. Insurance company logos are the exclusive property of the respective insurance companies, and are used with permission.

Rate and Policy Information Provided

The premium rates and information used in all insurance rate quotes have been taken from the rate cards, rate manuals and/or other rate information materials which life companies routinely publish and distribute to life agents and brokers. The Providers have checked and re-checked this information and have taken prudent steps to ensure that the insurance premiums calculated and the information displayed in both summaries and comparisons are up-to-date and accurate. However, the Providers do not guarantee 100% in all situations at all times.

All quotes and information are soley for their purpose of providing a quick and efficient tool for pre-screening policy selections. Actual premiums and coverage will be based on age, health history, sex, tobacco usage and such other underwriting criteria as the issuing company may deem appropriate. Only the issuing life insurance company may determine the actual premium rate for a given individual and then only after a completion of their underwriting process which usually requires a medical examination and a review of the individuals medical records. In the event that there is a discrepancy between the information obtained from this site and any insurance company-authorized illustrations, brochures, rate cards or other broker or consumer information formats, the information provided by the life insurance company shall govern.

Use of Information

Federal copyright law prohibits commercial use of any information obtained from this site by agents, brokers or other parties marketing insurance products or information that are not affiliated with the Providers.

Company Ratings

Company financial ratings described on this site are the result of assessments by independent insurance industry analysts. The information sources used to arrive at these ratings are unknown to the Providers and the Providers make no warranties of any kind as to their accuracy or adequacy. The ratings as presented on this site are believed to be correct, but their accuracy is not guaranteed. If this type of information is important to your selection process, please check the printed information of the carrier and/or the ratings service concerned.

Data Protection

The Providers are not obligated to monitor any transmission made through the respective Web pages and newsgroups. However, the Providers have the right, but not the obligation, to monitor any transmission made to and for this Web site. The Providers may use or disclose information gathered from the site at their descretion.

Hyperlinks

TermSmart, LifePro Technologies and/or Capital Strategies Press, Inc., the Providers, cannot guarantee that the hyperlinks contained in this site will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks may be developed and/or maintained by person(s) over whom the Providers have no control. The Providers cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, the Providers, assume no responsibility for the content of any site referenced to by any hyperlink or otherwise. The Providers believe that making hyperlinks to publicly accessible web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Intended Audience

This site is published for some, but not all the residents of the United States of America. This site is not intended for use by residents of New York, Montana or Hawaii. This site is not intended for use by residents of any countries other than the United States of America. Information concerning the identity, history, and products of each insurance company represented by any licensed agent or agencies affiliated with the site Providers, is intended for residents of states in which that insurance company is licensed. No applications will be sought or accepted on behalf of any insurance company from a resident of a state in which that company is not licensed.

Product Restrictions

Policies and companies displayed on this site may not be available in all states. Suicide, misstatement, and misrepresentation restrictions may apply. All applications for insurance are subject to underwriting qualification by the specific insurance company to which the application is submitted. Availability of premium rates and policy forms may be changed by each insurer without prior notice. Policy variations my occur from state to state. These variations may or may not be noted in the material provided on this site.

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