Terms of service

Draft. This document is under legal review and will change before launch.

Who can use it

Illustration Compare is for licensed insurance professionals and their staff. It is not offered to consumers.

What it is

Illustration Compare reads figures from life insurance illustrations you upload and presents them side by side. It does not sell, solicit or negotiate insurance, does not give insurance, investment, tax or legal advice, and does not recommend any carrier or policy.

Your responsibilities

• You have your clients' permission to upload their illustrations.
• You check every figure against the original illustration before you use a report with a client.
• You give each report to the client only together with each carrier's complete illustration.
• You comply with the laws, regulations, carrier rules and IMO or broker-dealer rules that apply to you, including obtaining any approval required before using comparison material.

Accuracy

Extraction can be wrong. Each figure shows its source page so you can verify it. The original carrier illustrations control in every case.

Fees

Case packs, subscriptions and refunds work as described on the pricing page. Fees never depend on whether any policy is sold.

Liability

To the extent the law allows, our total liability is limited to the fees you paid in the twelve months before the claim, and you indemnify us against claims arising from your use of reports with clients.

Data

We process client information only to provide the service, as described in the privacy notice and on the security page.