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Before you use the website, read the disclaimer and Terms First:
By using this website, you accept these disclaimers, terms, and conditions in full and without reservation. If you disagree with these disclaimers, terms, and conditions or any part of these terms and conditions, you must not use this website.
Disclaimer: The information provided on this site has been developed by thelifetank.com for general informational and educational purposes for the Mandarin-speaking community. The Information contained in this website should neither be construed as a provision of personalized investment or insurance advice nor as a guarantee that a certain level of results will be achieved. We do our best efforts to ensure that this information is up-to-date and accurate, however, we cannot guarantee. By clicking on a link, you understand that you may be leaving this site. We may publish sponsor contents and advertisement. All product names, trademarks and registered trademarks are property of their respective owners. All company, product and service names used in this website are for identification purposes only. Use of these names,trademarks and brands does not imply endorsement.
If you require any more information or have any questions about our Terms of Service, please feel free to contact us by email at [email protected].
- Advertiser Disclosure
- License to use website
- Acceptable use
- Restricted access
- User content
- No warranties
- Limitations of liability
- Other parties
- Unenforceable provisions
- Breaches of these terms and conditions
- Entire agreement
- Law and jurisdiction
These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full and without reservation. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.
You must be at least 18 [eighteen] years of age to use this website. By using this website and by agreeing to these terms and conditions, you warrant and represent that you are at least 18 years of age
Content and opinions on this site are authors/editors’ alone, not provided by any insurance company and a related company, and have not been reviewed, approved or otherwise endorsed by any of these entities. We attempt to keep the information found on this site as accurate as possible, but it is user’s liability to verify the information in the provider and company’s official website during the whole process. If you find any information incorrect or expired, please contact us immediately. The life insurance’s and related company’s logos and pictures are trademarks of the issuers.
Some links to an insurance agent, company and other products on this website MAY earn an affiliate commission or referral bonus. This compensation may impact how and where insurance agent, company and other products appear on this site. This site does not include all insurance issuers or all available insurance offers.
Update August 11, 2020
thelifetank.com (hereafter called or referred to as “Our,” “We,” or “Us) may receive monetary compensation through our affiliates for life insurance products offered, mentioned or not, from this website. This, in no regard, will direct, influence or sway our opinions on the insurance companies or their products, and are expressly the opinions of the author(s), writer(s), researcher(s), or otherwise. Our editorial guidelines and methodology for all rankings are our own, and are strictly upheld.
Our foremost goal is to ensure every user has the knowledge, the education, and the resources to make an informed purchase for their life insurance, and the ability to compare and contrast as many aspects of their purchase as possible, including price.
We do our best to supply accurate representations, up-to-date and accurate numbers, where provided, and to fairly uphold industry and professional standards in every way possible.
To ensure our own transparency is as clear as glass, we may receive compensation in one or several forms from any of the following partners:
- Consumers Advocate
- Humming Life
- Haven Life
- Ladder Life
- Banner Life
We will do our best to update the list as we gain additional partners.
We are not responsible for any partners, their agents or personnel, websites, or materials, and suggest you always check with your State Insurance Department or State Insurance Commissioners before making any purchases.
Some partners may find it beneficial to offer additional products or services to customers; we are, in no way, compensated for any additional products or sales.
License to use website
Unless otherwise stated, and thelifetank.com or its licensors own the intellectual property rights published on this website and materials used on https://www.thelifetank.com. Subject to the license below, all these intellectual property rights are reserved.
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of https://www.thelifetank.com or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities on or in relation to this website without thelifetank.com‘s express written consent.
- data mining
- data extraction
- data harvesting
- ‘framing’ (iframes)
- Article ‘Spinning’
You must not use this website or any part of it to transmit or send unsolicited commercial communications.
You must not use this website for any purposes related to marketing without the express written consent of thelifetank.com.
Access to certain areas of this website is restricted. thelifetank.com reserves the right to restrict access to certain areas of this website, or at our discretion, this entire website. thelifetank.com may change or modify this policy without notice.
If https://www.thelifetank.com provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential. You alone are responsible for your password and user ID security.
In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.
You grant to https://www.thelifetank.com a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to https://www.thelifetank.com the right to sub-license these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or https://www.thelifetank.com or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaints.
https://www.thelifetank.com reserves the right to edit or remove any material submitted to this website, or stored on the servers of https://www.thelifetank.com, or hosted or published on this website.
https://www.thelifetank.com‘s rights under these terms and conditions in relation to user content, https://www.thelifetank.com does not undertake to monitor the submission of such content to, or the publication of such content on, this website.
This website is provided “as is” without any representations or warranties, express or implied. https://www.thelifetank.com makes no representations or warranties in relation to this website or the information and materials provided on this website.
Without prejudice to the generality of the foregoing paragraph, https://www.thelifetank.com does not warrant that:
- this website will be constantly available, or available at all; or
- the information on this website is complete, true, accurate or non-misleading.
Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.
Limitations of liability
https://www.thelifetank.com and thelifetank.com will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:
- to the extent that the website is provided free-of-charge, for any direct loss;
- for any indirect, special or consequential loss; or
- for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.
These limitations of liability apply even if https://www.thelifetank.com or thelifetank.com has been expressly advised of the potential loss.
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit the liability of thelifetank.com in respect of any:
- death or personal injury caused by the negligence of https://www.thelifetank.com or its agents, employees or shareholders/owners;
- fraud or fraudulent misrepresentation on the part of https://www.thelifetank.com; or
- matter which it would be illegal or unlawful for https://www.thelifetank.com to exclude or limit, or to attempt or purport to exclude or limit, its liability.
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
If you do not think they are reasonable, you must not use this website.
You accept that, as a limited liability entity, https://www.thelifetank.com and thelifetank.com has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against https://www.thelifetank.com‘s officers or employees in respect of any losses you suffer in connection with the website.
Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect https://www.thelifetank.com and thelifetank.com ‘s officers, employees, agents, subsidiaries, successors, assigns, and sub-contractors as well as https://www.thelifetank.com and thelifetank.com.
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
You hereby indemnify https://www.thelifetank.com and undertake to keep https://www.thelifetank.com indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by https://www.thelifetank.com to a third party in settlement of a claim or dispute on the advice of https://www.thelifetank.com‘s legal advisers) incurred or suffered by https://www.thelifetank.com arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.
Breaches of these terms and conditions
Without prejudice to https://www.thelifetank.com‘s other rights under these terms and conditions, if you breach these terms and conditions in any way, https://www.thelifetank.com may take such action as https://www.thelifetank.com deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
https://www.thelifetank.com may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.
https://www.thelifetank.com may transfer, sub-contract or otherwise deal with https://www.thelifetank.com’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.
You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
Law and jurisdiction
These terms and conditions will be governed by and construed in accordance with the laws of the location where operates, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of the location where operates.