Life Settlement Value
Terms of Use
By accessing this website, you agree to be bound by the following terms and conditions of use without limitation or qualification.
Please direct any questions about these terms of use or any other questions or problems with this website by calling Norman A. Hood at 800-642-8695.
We reserve the right to restrict or revoke your use of the password protected elements of this site at any time and for any reason we deem appropriate.
Purpose and Limitations of PolicySettlement.com
This site utilizes the LIVEpdqSM tool to provide an estimated life settlement value for the owner or insured of a specific in force life insurance policy. The life settlement value indicated by the LIVEpdqSM will be based upon the information the owner and/or insured supplies. The combination of a number of factors is ultimately used to determine the actual life settlement value of an existing policy.
These factors include:
- Age
- Premium
- Health
- Type of policy
- Underwritten life expectancy
- Prevailing interest rates
- Insurance company rating
- Policy size
- Loans against policy
- Cash value of the policy
- Competitive bidding
- Minimum premiums required to keep the policy in force
LIVEpdqSM utilizes only four of the above factors to arrive at a life settlement value. It assumes all health issues are of average severity. The life settlement value that results from LIVEpdqSM is only an estimate and does not represent an actual offer or constitute a contract to buy or obtain a buyer for a specific policy. The life settlement value provided by LIVEpdqSM is NOT an appraisal.
Warranty Disclaimer
PolicySettlement.com MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED ON THIS SERVER FOR ANY PURPOSE. ALL SUCH DOCUMENTS AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. PolicySettlement.com AND/OR ITS RESPECTIVE ASSOCIATES AND AFFILIATES HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED ON THIS SERVER COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. PolicySettlement.com AND/OR ITS RESPECTIVE ASSOCIATES AND AFFILIATES MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE PRODUCT(S) AND/OR THE PROGRAM(S) DESCRIBED HEREIN AT ANY TIME.
Limitation of Liability
PolicySettlement.com WILL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE FROM THIS SERVER.
Confidential Information
THE LIFE SETTLEMENT VALUE PROVIDED BY THIS WEBSITE IS INTENDED SOLELY FOR THE USE OF THE OWNER AND/OR INSURED OF THE SPECIFIC POLICY REFERRED TO BY THE LIVEpdqSM. ANYONE OTHER THAN THE INSURED OR OWNER OF THE POLICY IS PROHIBITED FROM USING THIS SITE TO OBTAIN INFORMATION FOR THEIR PERSONAL USE OR ON BEHALF OF ANY OTHER INDIVIDUAL OR ENTITY WITHOUT THE EXPRESS WRITTEN CONSENT OF THE SITE'S OWNER, NORMAN A. HOOD AS WELL AS THE SIGNED AUTHORIZATION OF THE OWNER OF THE POLICY. FALSIFYING INFORMATION TO OBTAIN A LIFE SETTLEMENT VALUE FOR A FICTICIOUS POLICY OR INSURED OR OWNER, AND/OR PROVIDING ERRONEOUS CONTACT INFORMATION FOR THE OWNER OR INSURED OF AN ACTUAL POLICY ARE ALL VIOLATIONS OF THIS WEBSITE'S TERMS OF USE. ALL USERS ARE REQUIRED TO ACKNOWLEDGE COMPLIANCE WITH THESE TERMS OF USE BEFORE FINALIZING THEIR REQUEST FOR A LIVEpdqSM AND RECEIVING A LIFE SETTLEMENT VALUE ESTIMATE.
Elements of this site are protected by trade dress, trademark, unfair competition, and other laws and may not be copied or imitated in whole or in part. No logo, text, graphic, sound or image from any part of this website may be copied or retransmitted unless expressly permitted in writing by PolicySettlement.com.
Service Marks
LIVEpdqSM,LIVEmgrSM,RATEpdgSM ,COImgrSM and NOW/LATER/NEVER Analysis SM are all service marks of PolicySettlement.com.
Rights Reserved
Any rights not expressly granted herein are reserved. PolicySettlement.com also reserves the right to change the terms of use at any time and from time to time by revising these terms and conditions. You are responsible for regularly reviewing these terms and conditions.