These Terms apply to access to and use of PPLI.com. If you do not agree to these conditions, do not use the website. The Privacy Policy explains how information is handled. It does not turn use of the website into consent to every processing activity, marketing communication or storage technology.
PPLI.com publishes information about private placement life insurance and related wealth-planning topics. Its features include articles, hypothetical calculators, an automated research assistant, inquiry forms and professional workspace functions. These features serve different purposes and may have their own instructions, assumptions and access requirements.
Articles, calculator outputs and automated assistant responses are general information. They are not a personal legal, tax, investment, insurance, accounting or fiduciary recommendation. Do not treat a generated result as a determination of suitability, policy qualification, underwriting acceptance or compliance with applicable law.
Review the relevant facts, current rules and actual documents with appropriately qualified professionals before making a decision. The editorial standards describe the approach to published research. Calculators disclose their own methods and limits; a preset is a hypothetical example, not a recommended portfolio or an insurer quote.
A research page, comparison or calculator is not an insurance contract, securities offering or commitment to provide a financial product. A proposed transaction requires the actual policy or offering terms, applicable disclosures and acceptance by the relevant parties. A site inquiry does not replace those steps.
The website provides research and tools and receives inquiries. A contact request, professional account or research-assistant conversation does not itself create a professional engagement, a policy application, an insurance contract, an investment mandate or authority to hold or transfer assets.
If you consider a professional or provider, verify the relevant legal entity, qualifications, licensing, compensation and engagement terms directly. A name or link on PPLI.com does not establish that a provider acts for you or that an engagement has been accepted.
References to insurers, advisers, law firms, investment managers and other organizations identify sources or subjects of research. A reference alone does not establish an endorsement, partnership or agency relationship. Evaluate any third party’s services and terms separately.
Policy taxation, investment performance, liquidity, estate treatment and creditor protection depend on the arrangement and applicable circumstances. The website does not guarantee a return, tax result, protection from claims, eligibility or acceptance by an insurer. Historical results and hypothetical examples do not establish future results.
A rule discussed for one jurisdiction may not apply elsewhere. Check the law, residence, citizenship, ownership, policy and transaction facts relevant to the proposed use. These Terms do not authorize conduct prohibited by applicable law or remove rights that the law does not permit to be waived.
Published information and automated responses can contain errors or become outdated. Check primary sources, publication dates and the assumptions behind calculations. Content may be corrected, updated or removed. You can report a specific error through the contact page; include the page link and the statement at issue.
Rights in protected original content belong to the relevant rights holders. The presence of a name, fact, statute, public source or third-party material on this website does not establish that PPLI.com owns it. Copyright and trademark are distinct forms of protection; no registration or exclusive ownership of every item is asserted here.
You may read, download and print website content for personal, noncommercial use and link to pages fairly and lawfully. Other copying, commercial republication, resale or misleading reuse requires any permission applicable law requires. This does not restrict lawful search-engine indexing or rights and exceptions available under law. The US Copyright Office’s fair-use guidance explains that context matters and no fixed word count establishes permission.
Do not seek unauthorized access to systems or data, disrupt the website, introduce malicious code, abuse forms or infrastructure, impersonate another person, infringe another person’s rights or collect user information without authority. Use professional account and workspace features only within the access granted to you and with authority for any information you enter.
An inquiry does not establish an adviser-client, attorney-client or other professional relationship, guarantee a response or create a response deadline. The site team may use the information to address the inquiry. Do not assume professional privilege or absolute confidentiality. The Privacy Policy describes forms, assistant processing, server records and other data handling.
The Privacy Policy is a notice about data handling. Any consent required for a particular activity must be assessed separately from acceptance of these Terms. An inquiry and a marketing subscription are different actions. The ICO’s consent guidance explains the separation of consent requests from general terms.
External websites and embedded services can have their own content, availability, terms and privacy practices. Review the relevant provider’s information when you use them. A link does not make external content part of a personal recommendation or establish control over that service.
To the fullest extent permitted by applicable law, PPLI.com and its contributors shall not be liable for any indirect, incidental, consequential, or special losses, or for any loss of profit, revenue, opportunity, or data, arising out of or in connection with your use of, or inability to use, this website or its content, or your reliance on any information published on it. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law.
You agree to indemnify PPLI.com against losses, liabilities, and reasonable costs arising directly from your misuse of the website or your material breach of these Terms, to the extent such losses were caused by that misuse or breach.
Website access and individual features may be interrupted, restricted, changed or withdrawn. Availability and error-free operation are not guaranteed. A saved browser session, local scenario or workspace record should not be treated as a guaranteed permanent archive.
These Terms may be revised, with the update date displayed above. Review the version relevant to your use. The effect of a change and any continued use remains subject to applicable law; publication of revised wording does not remove mandatory rights or supply consent for a separate processing purpose.
Send questions about these Terms to info@ppli.com or use the contact page. Keep an initial message limited to the information needed to identify the question.
Read our Privacy Policy before submitting. Share only the information needed to describe your question; do not include medical records or account credentials.