Terms of Use

Effective date: August 20, 2026

By using this website, you agree to these Terms of Use.

Educational Information

Content on this website is provided for general educational and informational purposes. It is not a guarantee of coverage, premium, policy performance, investment return, tax result, legal result, or financial outcome.

Insurance Availability

Insurance products, underwriting requirements, features, premiums, riders, and availability vary by carrier, product, applicant, and state. Any final coverage decision is subject to the terms of the applicable insurance policy and carrier approval.

Illustrations and Calculators

Calculators, examples, projections, and comparisons on this website are illustrative only. Investment returns are not guaranteed, and actual policy values may differ materially from examples shown.

No Investment, Legal, or Tax Advice

Nothing on this website should be interpreted as investment, legal, accounting, or tax advice. You should consult appropriate licensed professionals regarding those matters.

Website Use

You agree not to misuse the website, interfere with its operation, attempt unauthorized access, or use the website for unlawful purposes.

Third-Party Content and Links

This website may link to or embed third-party content. 147 does not control third-party websites or services and is not responsible for their availability, content, or privacy practices.

Limitation of Liability

To the fullest extent permitted by law, 147 and its representatives are not liable for losses arising solely from reliance on educational website content, calculators, third-party content, or website availability.

Changes

These Terms of Use may be updated from time to time. Continued use of the website after an update constitutes acceptance of the revised terms.

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