Terms of Use
Last updated: April 10, 2026
1. Acceptance of Terms
By accessing or using the website located at www.1035advisor.com (the "Site") or any services offered by 1035Advisor ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you must immediately discontinue use of the Site.
These Terms constitute a legally binding agreement between you and 1035Advisor. We reserve the right to modify these Terms at any time. Continued use of the Site following any modification constitutes your acceptance of the revised Terms.
2. Nature of Services — Not Legal, Tax, or Investment Advice
1035Advisor is a licensed insurance agency. Our licensed agents can provide insurance product recommendations within the scope of their insurance license. We are not registered investment advisors, securities broker-dealers, tax attorneys, or certified public accountants. Any analysis generated by our tools is illustrative and educational in nature.
You should consult with a qualified attorney, tax professional, and/or registered investment advisor before making any decision to exchange, surrender, or modify a life insurance policy. Tax consequences of a 1035 exchange depend on your individual circumstances and applicable law.
3. Insurance Licensing Disclosure
1035Advisor operates as a licensed insurance agency. Our licensed producers are authorized to sell life insurance products in the states in which they hold active licenses. Insurance products and availability vary by state. Not all products described on this Site are available in all states.
License numbers and state authorizations are available upon request. Contact us at [email protected] for licensing information specific to your state.
Life insurance products described on this Site are not deposits, not FDIC or NCUA insured, not insured by any federal government agency, not guaranteed by the bank or credit union, and may go down in value.
4. No Fiduciary Duty
Unless expressly stated in a separate written agreement, 1035Advisor does not act as a fiduciary with respect to any user of this Site. Our licensed agents act as insurance producers and owe duties under applicable state insurance law. We may receive compensation in the form of commissions from insurance carriers when a policy is placed as a result of our services. This compensation structure may create a conflict of interest, which we disclose to clients as required by applicable law.
5. Accuracy of Information
We strive to provide accurate and current information on this Site. However, we make no warranties or representations, express or implied, regarding the accuracy, completeness, timeliness, or reliability of any information on the Site. Insurance product features, rates, and availability are subject to change without notice. Policy illustrations are not guarantees of future performance.
The AI-powered analysis tools on this Site generate estimates based on information you provide and publicly available industry benchmarks. These estimates are illustrative only and should not be relied upon as precise projections of future policy performance.
6. User Responsibilities
By using this Site, you agree to:
- Provide accurate and complete information when using our analysis tools or submitting forms.
- Use the Site only for lawful purposes and in compliance with all applicable laws and regulations.
- Not upload any documents or information that you do not have the right to share.
- Not attempt to reverse-engineer, scrape, or exploit any portion of the Site or its tools.
- Not impersonate any person or entity or misrepresent your affiliation with any person or entity.
- Maintain the confidentiality of your account credentials and notify us immediately of any unauthorized access.
7. Uploaded Documents
By uploading any document (including in-force life insurance illustrations) to our Site, you represent and warrant that: (a) you are the owner of the policy or an authorized representative of the policy owner; (b) you have the legal right to share the document; and (c) the document does not contain any information that violates the rights of any third party.
Uploaded documents are used solely for the purpose of generating a policy analysis for you. We do not share your uploaded documents with third parties except as described in our Privacy Policy or as required by law.
8. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, 1035ADVISOR, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED DOLLARS ($100).
9. Indemnification
You agree to indemnify, defend, and hold harmless 1035Advisor and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
10. Intellectual Property
All content on this Site, including text, graphics, logos, icons, images, and software, is the property of 1035Advisor or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written consent.
11. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the state in which 1035Advisor is domiciled, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.