Terms & Website Disclaimer

1. Acceptance of these terms

By accessing or using this website, you agree to these Terms & Website Disclaimer. If you do not agree, please do not use the site.

2. Educational purpose only

All content on this website — including pages about life insurance, health insurance, term, whole, permanent, and cash-value strategies — is provided for general educational and informational purposes. It is not financial, investment, tax, or legal advice, and it is not a recommendation to buy or keep any specific product.

3. No quotes, offers, or guarantees

Nothing on this site constitutes an insurance quote, an offer of coverage, or a binding agreement. Any figures, examples, or illustrations are general and hypothetical. Guarantees are based on the claims-paying ability of the issuing insurer. Non-guaranteed elements — including dividends and illustrated values — are not promised and may change.

4. Insurance products & policy terms

Insurance products are subject to underwriting, and availability, eligibility, and pricing depend on your individual circumstances and the issuing insurer. The actual terms, conditions, limitations, and exclusions of any coverage are set solely by the policy contract issued to you. In the event of a conflict, the policy controls.

5. Cash-value strategies

Content describing cash-value or participating whole life strategies (sometimes referred to as “cash-value banking” or similar concepts) is educational. Such strategies are not suitable for everyone, involve substantial premiums, and carry risks including reduced early cash values, loan interest, potential lapse, and possible tax consequences (including modified endowment contract treatment). Consider these strategies with qualified tax and legal advisors.

6. No professional relationship

Using this website or submitting the contact form does not create an agent-client, advisory, or fiduciary relationship. Any such relationship begins only through a separate, explicit agreement.

7. Licensing

Insurance is offered only where the agent and any relevant products are properly licensed and authorized. [TODO: add the agency’s legal name, the agent’s Utah insurance producer/license number, and the states in which services are offered.]

8. Third-party links

This site may link to third-party websites for convenience. We are not responsible for the content, accuracy, or practices of those sites.

9. Intellectual property

The content, design, and graphics on this website are owned by Dueck Health Strategies or its licensors and may not be copied or reused without permission.

10. Limitation of liability

To the fullest extent permitted by law, Dueck Health Strategies is not liable for any loss arising from your use of, or reliance on, information on this website. The site is provided “as is” without warranties of any kind.

11. Changes

We may update these terms at any time. Continued use of the site after changes indicates acceptance of the updated terms.

12. Contact

Questions about these terms? Reach us through our contact page.

This Terms & Website Disclaimer is a general template and has not been reviewed by an attorney or a compliance professional. Please have qualified counsel and, where applicable, carrier compliance review and finalize this content before launch.