These Terms of Use govern your access to and use of LifeInsuranceConsensusIndex.com, including its articles, research studies, rankings, data, tools, pages, and other content. Life Insurance Consensus Index is owned and operated by 3D Chess Media, LLC, a Nevada limited liability company. By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the website.
About Life Insurance Consensus Index
Life Insurance Consensus Index is a research and educational publication. We study how leading artificial intelligence platforms recommend life insurance companies and products for specific consumer situations. Our content may include AI recommendation research, consensus rankings, carrier comparisons, policy information, underwriting context, editorial analysis, expert review, historical recommendation data, affiliate links, and advertising or sponsored content. Our research is intended to help users understand recommendation patterns. It is not intended to replace individualized insurance advice or actual carrier underwriting.
Informational and Educational Purposes Only
Content on Life Insurance Consensus Index is provided for general informational, research, and educational purposes. It should not be interpreted as individualized insurance advice, a recommendation to purchase a specific insurance policy, a guarantee that a particular carrier is appropriate for you, a guarantee of eligibility, a guarantee of approval, a guaranteed underwriting classification, a guaranteed premium, legal advice, tax advice, investment advice, or financial planning advice. Your individual circumstances may differ substantially from the hypothetical or generalized scenarios studied on this website.
We Do Not Sell or Issue Insurance
Life Insurance Consensus Index is not an insurance carrier. We do not issue insurance policies, underwrite insurance applications, determine eligibility, set insurance premiums, approve or decline applicants, or bind coverage. Where we link to insurers, agencies, marketplaces, or other third parties, those organizations operate independently from Life Insurance Consensus Index unless expressly stated otherwise.
Chris Huntley’s Editorial Role
Certain Life Insurance Consensus Index content may be reviewed by Chris Huntley, Life Insurance Expert & Editorial Reviewer. Chris is a former licensed life insurance professional with nearly two decades of prior industry experience. He no longer holds active insurance licenses and does not sell insurance through Life Insurance Consensus Index. His role is editorial. He does not act as your insurance agent, solicit insurance applications through this website, determine your insurability, provide individualized policy recommendations, or provide individualized legal, tax, investment, or financial advice.
Editorial review does not create an advisor-client, agent-client, fiduciary, or other professional relationship.
No Professional Relationship Is Created
Your use of this website does not create an insurance-agent relationship, a broker-client relationship, an attorney-client relationship, a tax-advisor relationship, a financial-advisor relationship, a fiduciary relationship, or a professional-client relationship of any kind. Communications submitted through the website do not create such a relationship unless expressly agreed in writing through a separate engagement.
AI Recommendation Research
Life Insurance Consensus Index publishes research based in part on responses generated by third-party artificial intelligence platforms. AI systems can produce inaccurate information, omit relevant information, rely on outdated sources, interpret sources incorrectly, recommend different carriers at different times, produce different outputs in response to similar prompts, and change after platform or model updates. We do not control third-party AI systems.
AI Consensus Is Not a Guarantee of Quality
A carrier receiving strong AI recommendation consensus does not mean the carrier is objectively the best insurer, the carrier is best for every applicant, the carrier will approve you, the carrier will offer you the lowest premium, the carrier will offer the best underwriting class, or the carrier's products are superior in every respect. Consensus measures recommendation behavior among the AI platforms included in the study. It should be interpreted as one research signal.
Rankings Are Research Outputs
Life Insurance Consensus Index rankings are based on our published methodology. Rankings may use factors such as recommendation coverage, recommendation position, frequency across studies, category-level consistency, and other disclosed research metrics. They are not intended to function as personalized financial or insurance recommendations.
Rankings May Change
Life insurance rankings can change because AI models change, AI platforms change, carrier products change, underwriting programs change, public information changes, new research is conducted, or methodology improves. Historical rankings may remain available even after newer research produces different results.
Actual Underwriting Controls
Only the insurer or authorized underwriting process can determine your actual eligibility and premium. Underwriting may depend on factors including age, health, medical history, medications, height and weight, tobacco use, family history, occupation, avocations, driving history, financial circumstances, coverage amount, policy type, state, and carrier underwriting rules. A recommendation appearing on this website does not guarantee a particular underwriting result.
Health-Condition and High-Risk Content
Life Insurance Consensus Index may publish research involving applicants with diabetes, cancer history, heart disease, stroke history, kidney disease, COPD, mental-health history, tobacco use, marijuana use, DUI history, aviation exposure, scuba diving, hazardous occupations, and other health or lifestyle risks. Such content is general research. It is not a determination that any individual reader is insurable or uninsurable.
Life Insurance Product Information
We may publish information regarding term life insurance, whole life insurance, universal life insurance, indexed universal life insurance, guaranteed universal life insurance, final expense insurance, simplified-issue insurance, guaranteed-issue insurance, riders, conversion privileges, issue ages, coverage limits, and underwriting processes. Product terms may vary by carrier, product, applicant, state, issue age, coverage amount, and underwriting class. Always review current carrier documentation and actual policy forms before purchasing coverage.
Policy Contracts Control
If information on Life Insurance Consensus Index conflicts with an insurance policy, policy form, rider, endorsement, illustration, carrier contract, or official insurer documentation, the applicable insurer documentation controls. Nothing on this website modifies an insurance contract.
Pricing and Premium Information
Life insurance pricing is individualized. Any premium, quote, rate, price range, or example displayed on this website may be based on a hypothetical applicant, published carrier examples, third-party quoting data, historical information, or a specified underwriting class. It should not be interpreted as the premium you will receive. Actual premiums may differ materially.
Policy Illustrations
Permanent life insurance illustrations may include both guaranteed values and non-guaranteed values. Non-guaranteed projections may depend on dividend assumptions, crediting assumptions, interest rates, policy charges, index performance, participation rates, caps, spreads, loan activity, and other assumptions. Life Insurance Consensus Index does not guarantee that illustrated non-guaranteed values will occur.
Indexed Universal Life and Other Complex Products
Indexed universal life and other permanent policies can involve complex policy charges, crediting methods, guarantees, loan provisions, index options, and funding requirements. General discussion on this website should not substitute for reviewing actual policy illustrations, contracts, and current carrier information.
Financial-Strength Ratings
We may reference ratings issued by organizations such as AM Best, Moody's, S&P Global, and Fitch. These ratings are opinions issued by those organizations. They are not guarantees of future claims-paying ability, solvency, investment performance, or policy performance. Ratings can change.
Verification Efforts
Life Insurance Consensus Index may attempt to verify material carrier, policy, and underwriting information using carrier websites, official product guides, policy forms, regulatory materials, rating agencies, and other authoritative sources. We do not guarantee that all information is complete, error-free, current at all times, applicable to every state, or applicable to every applicant.
Research Dates Matter
Our content may display several different dates, including research date, publication date, insurance details verified date, and last modified date. These dates may differ. A page can contain historical AI research while also including more recently verified carrier information.
Corrections and Updates
We may correct errors and update information as products, underwriting rules, or other facts change. We may also preserve historical research. Newer information does not automatically mean earlier research was inaccurate. Please review our Corrections & Updates Policy for additional information.
Third-Party Websites and Services
Life Insurance Consensus Index may link to insurance carriers, insurance agencies, quote services, comparison platforms, affiliate partners, government resources, financial publications, rating agencies, and other third-party websites. We do not control these third-party websites. Their content, privacy practices, security, pricing, product availability, terms, and business practices are their responsibility.
Affiliate Relationships
Life Insurance Consensus Index may earn compensation if users click certain links, request quotes, submit lead forms, purchase products, or complete other qualifying actions. Compensation does not alter the underlying AI recommendation counts or research rankings. Commercial relationships are separate from our research methodology. Please review our Affiliate Disclosure for additional information.
Advertising and Sponsored Content
Life Insurance Consensus Index may display advertisements, paid placements, sponsored content, sponsored research, and other commercial material. Paid content should be identified appropriately. Advertising does not automatically mean the advertiser is endorsed by Life Insurance Consensus Index. Please review our Advertising Disclosure for additional information.
Commercial Relationships Do Not Buy Rankings
A carrier or other company cannot purchase AI recommendations, recommendation coverage, recommendation position, Consensus Score, category ranking, or historical ranking changes. A paying company may rank below a non-paying company. A non-paying company may rank first.
Availability of Products
Insurance products referenced on this website may change, be discontinued, be renamed, be replaced, be unavailable in some states, have different underwriting rules, and be subject to issue-age limitations. We do not guarantee continued availability.
State-Specific Differences
Insurance is regulated primarily at the state level. Products and policy provisions may differ among jurisdictions. Information presented nationally may not apply identically in your state. You are responsible for verifying applicable state-specific information before making a decision.
User Responsibility
You are responsible for evaluating whether information on this website is appropriate for your circumstances. Before purchasing life insurance, consider reviewing actual quotes, policy forms, illustrations, carrier disclosures, underwriting requirements, and current product information. You may also choose to consult an appropriately licensed insurance professional or other qualified advisor.
No Guarantee of Results
Life Insurance Consensus Index does not guarantee approval, eligibility, premium savings, lower rates, better underwriting, better policy performance, better claims outcomes, financial results, tax results, or estate-planning results. Your results may differ.
Intellectual Property
Unless otherwise stated, the website and its original content are owned by or licensed to 3D Chess Media, LLC. This may include text, research methodology, original research, rankings, tables, graphics, logos, data compilations, page design, software, database structure, and original analysis. These materials may be protected by copyright, trademark, database rights where applicable, and other intellectual-property laws.
Limited Personal Use
You may access and use publicly available content for lawful personal, informational, research, or educational purposes. You may not reproduce substantial portions of the website for commercial purposes without permission except where applicable law permits.
Quoting and Referencing Our Research
Reasonable quotation, commentary, criticism, news reporting, academic use, or other legally permitted use may be allowed. Where appropriate, we ask that you attribute Life Insurance Consensus Index, identify the relevant study, link to the original page when practical, and preserve important methodology context. Do not present our research as your own.
Research Data and Database Rights
Our structured research may include AI recommendation records, normalized carrier data, cross-platform rankings, historical trend data, category-level analysis, and proprietary compilations. Individual public facts may not be proprietary. However, our selection, organization, compilation, structure, and presentation of research may be protected by applicable law.
Automated Access and Scraping
We support ordinary access by legitimate search engines, AI retrieval systems, browsers, and other services that comply with applicable law and our technical access rules. We may restrict automated activity that places unreasonable load on our systems, circumvents technical protections, attempts unauthorized access, scrapes substantial proprietary datasets for republication, interferes with website operation, violates applicable law, or misuses our intellectual property.
Prohibited Uses
You may not use the website to violate applicable law, attempt unauthorized system access, introduce malware, interfere with website operation, circumvent security measures, misrepresent our research, falsely imply endorsement, falsely claim a paid ranking, alter a Life Insurance Consensus Index award or ranking to mislead consumers, republish substantial proprietary research as your own, or impersonate Life Insurance Consensus Index or 3D Chess Media, LLC.
Use of Rankings, Badges, and Awards
If Life Insurance Consensus Index makes badges, awards, ranking marks, or similar materials available, their use may be subject to separate guidelines or licensing terms. A company may not falsely claim a ranking it did not receive, a consensus score it did not earn, a current award based on expired research, or an endorsement beyond what the research actually supports. Commercial licensing of an earned badge does not create the underlying ranking.
User Submissions
If you submit information through contact forms, correction requests, research suggestions, provider communications, emails, or other submissions, you represent that you have the right to provide that information. Do not submit confidential, privileged, or sensitive personal information unless specifically requested and appropriate.
Correction Submissions
Submitting a correction does not guarantee that we agree with the request, we will alter the ranking, we will remove historical data, or we will change editorial conclusions. We may review submitted evidence and determine whether the issue is a correction, an update, a disagreement, a methodology question, or a new research issue.
Privacy
Our collection and use of personal information is governed by our Privacy Policy and, where applicable, Cookie Policy & Preferences and Your Privacy Choices. Those policies are incorporated into your use of the website.
Website Availability
We do not guarantee uninterrupted access. The website may become unavailable because of maintenance, hosting issues, security events, software problems, network problems, third-party failures, or events outside our control. We may modify, suspend, or discontinue features at any time.
Changes to Website Content
We may add content, remove content, update research, change categories, modify methodology, change design, add or remove tools, and update commercial relationships without guaranteeing that every historical presentation will remain unchanged.
Changes to These Terms
We may modify these Terms of Use from time to time. When we make material changes, we may update the Last Updated date. Your continued use of the website after updated Terms become effective constitutes acceptance of those Terms to the extent permitted by applicable law.
Disclaimer of Warranties
To the fullest extent permitted by applicable law, Life Insurance Consensus Index and 3D Chess Media, LLC provide the website and its content on an “as is” and “as available” basis. We do not warrant that content is error-free, information is always current, research is complete, AI outputs are accurate, website access will be uninterrupted, any particular carrier will approve an applicant, any particular policy will remain available, or any result will meet your expectations. Nothing in this section limits rights that cannot legally be waived.
Limitation of Liability
To the fullest extent permitted by applicable law, 3D Chess Media, LLC and its owners, employees, contractors, contributors, reviewers, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of the website. This may include losses arising from reliance on research, carrier decisions, insurance applications, product changes, third-party websites, AI-generated information, or website interruptions. Nothing in these Terms excludes liability that cannot legally be excluded.
Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold harmless 3D Chess Media, LLC and its owners, employees, contractors, contributors, reviewers, and affiliates from claims, losses, liabilities, damages, costs, and expenses arising from your unlawful use of the website, your violation of these Terms, your infringement of third-party rights, or your misuse or misrepresentation of our research. This provision should be interpreted only to the extent permitted under applicable law.
Intellectual Property Complaints
If you believe material on Life Insurance Consensus Index infringes your intellectual-property rights, please contact us through our contact page. Please include sufficient information to identify the protected work, the allegedly infringing material, the relevant URL, your contact information, and the basis for your claim.
Venue and Dispute Resolution
These Terms do not currently impose mandatory arbitration, a class-action waiver, or a specific litigation venue. Do not infer such terms merely from use of this website.
Severability
If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.
No Waiver
Failure to enforce a provision of these Terms does not waive the right to enforce it later.
Entire Agreement
These Terms, together with the policies and disclosures incorporated by reference, constitute the general agreement governing use of this website unless another written agreement applies. Relevant policies may include Privacy Policy, Cookie Policy & Preferences, Affiliate Disclosure, Advertising Disclosure, Editorial Standards, Corrections & Updates, Research Methodology, and Your Privacy Choices.
Contact
Questions about these Terms may be directed to Life Insurance Consensus Index, operated by 3D Chess Media, LLC in Nevada, United States.
Important Life Insurance Notice
Life Insurance Consensus Index provides general research and educational information. Nothing on this website should be considered individualized insurance, legal, tax, investment, or financial advice. Life insurance eligibility, underwriting classifications, premiums, policy terms, rider availability, and product availability vary by applicant, insurer, product, state, and underwriting process. Only the applicable insurer can determine whether an applicant qualifies and on what terms. Chris Huntley is a former licensed life insurance agent and is not currently licensed to sell insurance.
He serves Life Insurance Consensus Index strictly in an editorial capacity and does not provide individualized insurance recommendations through the website.