Legal Disclaimer

This Legal Disclaimer governs your use of www.setforlifeinsurance.com (the “Website”) operated by Set for Life Insurance (“Company,” “we,” or “us”). The information provided on this Website is for general informational purposes only and is not insurance, legal, tax, or investment advice. By accessing or using the Website, you agree to the disclosures and limitations stated below.

Insurance Product Disclosures

Set for Life Insurance is an independent disability insurance brokerage licensed in all 50 states and the District of Columbia. We represent and compare individual disability income insurance, business overhead expense insurance, business loan protection disability insurance, key person disability insurance, and disability buy-sell insurance issued by Guardian (Berkshire Life Insurance Company of America), Principal Financial Group (Principal Life Insurance Company), MassMutual (Massachusetts Mutual Life Insurance Company), Ameritas, The Standard (Standard Insurance Company), and Lloyd’s of London.

Policy provisions, benefit amounts, riders, and product availability vary by carrier and by state. Quotes generated through the side-by-side quote tool at setforlifeinsurance.com/request-a-quote/ are estimates based on information you provide and are not offers of coverage. Actual policy issuance, benefit amount, premium, occupation class, and policy provisions are determined by the issuing carrier through its underwriting process based on the application, medical and financial documentation, and applicable state filings.

Mental and/or Substance-Related Disorder (MSRD) limitations, residual and partial disability provisions, future increase option riders, cost-of-living adjustment riders, and other policy features vary by carrier, occupation class, and state. Discounts and underwriting concessions are applied at the carrier’s discretion subject to its underwriting guidelines.

Optional riders are available for an additional premium. Carrier availability for specific products varies by state. Ameritas does not write business overhead expense insurance.

Not Legal, Tax, or Investment Advice

The information provided on this Website is not tax or legal advice and should not be construed as such. The content on the Website is for general informational purposes only and is not intended to be a substitute for professional advice. For your specific situation, please consult your legal advisor, tax advisor, or licensed insurance professional. The material on the Website is intended to assist you in understanding disability insurance products and planning for your income protection needs.

Multi-State Licensure

Set for Life Insurance and its associates are licensed to sell life and health insurance in all 50 states and the District of Columbia. To verify the licensure of a specific associate in your state, please contact us at 303-320-3559 or info@setforlifeinsurance.com. The information on this Website is intended for residents of the United States.

Use of the Website

Set for Life Insurance does not intend to provide individual advice via the contents of this Website in regards to insurance, legal advice, investment, finance, retirement planning, tax, or other areas of counsel that may be construed by the user as such. This Website does not include personalized professional advice. The user should conduct their own research or seek professional advice when making decisions involving the areas listed above.

Set for Life Insurance, along with its employees, agents, representatives, and the creators of this Website, are not liable or responsible for any damages or harm suffered in association with the contents of this Website and its usage. This includes all direct, indirect, special, third-party, or consequential damages. Previous premium costs are not a reference or predictor for future costs, and any references to expected premium costs are to be used as a historical reference only.

There is no content on this Website that constitutes an offer to sell or a solicitation of an offer to buy any insurance product or service. The use of this site is at the user’s own risk, and any products or services obtained are subject to the express terms of the appropriate policy and application documents.

Do Not Rely on This Website for Your Insurance Decisions

This Website and the content therein are to be used for informational purposes only and should not be construed to be an offer to buy or sell any product or service. We recommend that you seek qualified insurance and financial advice and conduct your own independent research before you make any decisions about insurance coverage.

Warranty Disclaimer

Set for Life Insurance gives no warranties in regards to its contents, including those that may be construed as express or implied by any user of this Website. While we strive to provide accurate and up-to-date information to the best of our ability, the use of this Website is done so at the risk of the user. Set for Life Insurance is not responsible for any information that may become inaccurate or out of date and holds no duty to correct inaccuracies or false information within its content. By using this Website, the user agrees to operate it “as is” while also waiving any representation of a warranty in regards to the site’s content. Set for Life Insurance disclaims all warranties to the maximum extent permitted by the governing jurisdiction.

No Responsibility for Security. Set for Life Insurance does not represent to the user that this site will function free of error or free of any other type of dysfunctional issue. Set for Life Insurance does not assume any responsibility for damages or harm to your personal property, third parties’ property, computer, or other electronic device used in accessing this Website in regards to the content accessed or downloaded from it. Any content that you choose to take from this Website is solely your responsibility, and proper precautions must be taken by you to ensure the security and safety of your computer system and property.

Limitation of Liability

The user agrees that by using this Website you absolve Set for Life Insurance, or any of its third-party providers, from liability in regards to any claim made by you in connection with these parties. Claims brought by you that involve, but are not limited to, contracts, tort, or statutory provisions, are hereby waived in regards to Set for Life Insurance’s liability. Damages such as but not limited to, punitive, exemplary, incidental, restitution, rehabilitative, or consequential, shall not be collectible under this waiver of liability applicable by the use of this site. If Set for Life Insurance, or its third-party affiliates, knows of such possibility of damages, the liability is still waived on their behalf. Any issue of breach, default, loss of profit, or negligence is hereby also waived in regards to Set for Life Insurance and its third-party providers by your use of this Website.

Intellectual Property

All written, visual, and graphic content contained within this Website is protected under copyright laws. Set for Life Insurance does not give permission to any person or entity to copy, reissue, reproduce, or republish any content found within this site without prior written consent from Set for Life Insurance. Names, visual images, writings, and other such content may be registered or unregistered trademarks of Set for Life Insurance and is not an implied license to any outside party for their use.

Indemnity

By using this Website you agree that you do not hold Set for Life Insurance or any of its corresponding employees, officers, agents, or affiliates liable for costs, liabilities, damages, or expenses and indemnify us from any claim arising from the demand of a third party that the use of this Website violates applicable law, any liability in regards to copyrights, trademarks, or other intellectual property, including that of the rights of a third party, or any breach involving representation or breach of warranty within these terms.

Dispute Resolution

Any actions between you, the user, and Set for Life Insurance shall be resolved through the means of the District Court of Arapahoe County, Colorado, without the ability for a class action option. By using this Website, the user agrees that resolution in the State of Colorado, at the District Court of Arapahoe County, is the sole course of action for any issues arising between the user and Set for Life Insurance. The user agrees that the dispute will be governed by the laws of the State of Colorado and also hereby waives the right to a jury trial by using this Website.

Class Action Waiver

Absent a specific consenting agreement with Set for Life Insurance, any claim brought against Set for Life Insurance must be limited to one claim and is not subject to the addition of third-party claims. No claim against Set for Life Insurance may be brought on a class action, consolidated action, or private attorney general basis. The user may bring one claim on behalf of one claimant only.

Severability

In the event that any clause contained within this Legal Disclaimer is found to be unenforceable, that clause, and that clause alone, will be severed from this provision. The remainder of the Legal Disclaimer will continue to hold full effect unless the Class Action Waiver clause is found to be unenforceable, thereby terminating the enforceability of the entire provision and creating the need to decide the dispute in a court of law.

Continuation

Upon ceasing activity with Set for Life Insurance, the terms and conditions expressed herein shall be binding and controlling under any dispute that may arise. If Set for Life Insurance makes any change, other than a change to the notice address, the user may reject changes to this provision activated after the user’s usage. The language present at the time the usage occurred will be controlling in case of a dispute.

Changes

Set for Life Insurance may change the content of its Website at its own discretion, including this Legal Disclaimer and any conditions therein, without prior notice. All superseding, actual, or implied terms and conditions are included in this right. It is the user’s responsibility to monitor this site’s terms and conditions for any changes. The use of this Website is an express acceptance of any changes to previous terms in this agreement, which become active upon posting.

Privacy

Set for Life Insurance’s Privacy Policy dictates how we use the user’s information that is collected throughout the Website. The Privacy Policy can be found at setforlifeinsurance.com/privacy-policy/ (the “Privacy Policy”). By using this Website you agree to the Privacy Policy terms and conditions and agree that Set for Life Insurance may treat your information accordingly.

Children

This Website deals strictly with persons over the age of eighteen (18). At no point does Set for Life Insurance voluntarily gather any data from those under the age of eighteen (18) through the use of its Website. By using this Website you agree to the Terms of Use and stipulate you are eighteen (18) years of age or older.

The United States Only

The services provided via this Website are intended for the sole use and sale to persons in the United States. No person in any other country or jurisdiction where such use or sale could take place against law or regulation that would subject Set for Life Insurance to any further action beyond its United States obligations may use these services.

Termination

By using this Website you agree that your usage may be restricted or terminated at any time at the sole discretion of Set for Life Insurance. This restriction and termination right comes without the need for notice of restriction or termination and carries no liability on the part of Set for Life Insurance.

Force Majeure

Set for Life Insurance and any third-party providers will not be held liable for non-compliance with their obligations under these provisions for any reason, including where such non-compliance has arisen either directly or indirectly from:

• Acts of God, including storms, flood, fire, earthquake, hurricane, or tornado.
• Industrial strikes, acts of war, terrorism, explosion, sabotage, or accidents of any kind.
• Any other circumstances beyond the reasonable control of Set for Life Insurance.

Non-Commercial Use

This Website is intended for personal use and may not be used in any capacity involving commercial business, planning, or other endeavors, except those expressly approved by Set for Life Insurance in writing.

Contact

Set for Life Insurance
8400 E Prentice Ave, Penthouse Suite 1500
Greenwood Village, CO 80111
Phone: 303-320-3559
Email: info@setforlifeinsurance.com