Terms of Use

1. Agreement to These Terms

By accessing or using the IUL Pro website at www.iul.pro (the "Site"), you confirm that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree, please discontinue use of this Site immediately.

These Terms apply to all visitors and users of the Site. We may update these Terms at any time. Continued use of the Site after any changes constitutes your acceptance of the updated Terms.

2. About IUL Pro

IUL Pro is a marketing agency based in Los Angeles, California. We specialize in Indexed Universal Life (IUL) insurance and related wealth protection strategies. We work with licensed agents to help individuals, families, and business owners find life insurance solutions that fit their needs.

3. Our Services

Through this Site and our agents, we provide:

• Educational content about life insurance, IUL products, and wealth protection strategies
• Introductory consultations and Discovery Call scheduling
• Connection to licensed agents for quotes and applications
• Guidance through the consultation process

Any insurance quotes presented through our partner agents are estimates only. Final premiums and policy terms are determined solely by the underwriting insurance carrier following a completed application. Product availability may vary based on your state of residence and individual circumstances.

4. Not Financial or Legal Advice

All content on this Site — including articles, descriptions, examples, and recommendations — is provided for general educational and informational purposes only. It does not constitute financial, tax, legal, or investment advice and should not be relied upon as such.

We strongly encourage you to consult with a qualified financial advisor, CPA, or attorney before making any insurance or financial decisions. Every individual's situation is unique, and generalized information may not apply to your circumstances.

5. Eligibility

This Site is intended for individuals who are 18 years of age or older and are residents of the United States. By using this Site, you represent that you meet these requirements. We do not knowingly provide services to minors.

6. Intellectual Property

All content on this Site — including text, graphics, logos, images, and design elements — is the property of IUL Pro or its content partners and is protected by applicable copyright and intellectual property laws.

You may not reproduce, distribute, republish, or commercially exploit any part of this Site without our prior written permission. Personal, non-commercial use for informational purposes is permitted.

7. Prohibited Uses

When using this Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable law or regulation
• Attempt to gain unauthorized access to any part of the Site or its related systems
• Use automated tools to scrape, harvest, or collect data from the Site
• Transmit spam, malware, or other harmful content through the Site
• Impersonate Wealth Protector, its agents, or any other person or entity
• Use the Site to build a competing service or product

8. Third-Party Links

This Site may contain links to third-party websites, including insurance carrier websites and scheduling tools. These links are provided for your convenience only. IUL Pro does not control, endorse, or accept responsibility for the content or practices of any third-party site. Your use of any linked site is at your own risk and subject to that site's own terms and policies.

9. Disclaimers

This Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. IUL Pro does not warrant that the Site will be uninterrupted, error-free, or free of harmful components. We make no representations regarding the accuracy or completeness of any content on the Site.

10. Limitation of Liability

To the fullest extent permitted by applicable law, IUL Pro and its officers, employees, agents, and partners shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of this Site or our services.

Our total liability to you for any claim arising out of these Terms or your use of the Site shall not exceed the fees, if any, paid by you to IUL Pro in the twelve months prior to the event giving rise to the claim.

11. Governing Law & Disputes

These Terms are governed by the laws of the State of California, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Site shall be resolved in the state or federal courts located in Los Angeles County, California, and you consent to the personal jurisdiction of such courts.

Before initiating any legal proceedings, we encourage you to contact us directly to attempt to resolve any dispute informally.

12. Changes to These Terms

We reserve the right to update or modify these Terms at any time. When we do, we will update the "Last Updated" date at the top of this page. It is your responsibility to review these Terms periodically. Your continued use of the Site after any changes indicates your acceptance of the updated Terms.