Terms of Service (TOS)

Effective Date: May 28, 2025

Thank you for choosing Annualife. These Terms of Service (“Terms” or “TOS”) govern your use of the Annualife website, mobile applications, educational programs, and all related services (collectively, the “Services”). By accessing or using our Services, you agree to be legally bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use the Services

1. About Annualife

Annualife is a licensed insurance agency based in the State of Florida, specializing in annuity and retirement-focused insurance strategies. We are the creator and administrator of the Certified Annuity Advisor™ designation—a proprietary professional credential designed to equip financial and insurance professionals with advanced training in the ethical, compliant, and strategic use of annuities.

In addition to offering professional education and credentialing, Annualife provides marketing services and facilitates referrals to a national network of independent professionals, including licensed insurance agents, financial advisors, attorneys, and certified public accountants (CPAs). While some of these professionals may hold the Certified Annuity Advisor™ designation, they operate independently and are not employees or agents of Annualife.

Annualife does not provide legal, tax, or investment advisory services. We are not a broker-dealer, registered investment advisor, or law firm. Annualife is not affiliated with, endorsed by, or sponsored by the U.S. federal government or any government agency.

2. Eligibility and Access to Services

To use the Services, you must:

Be at least 18 years of age;
Reside in the United States;
Agree to provide accurate, truthful, and complete information;
Use the Services in compliance with all applicable laws and regulations.

Annualife reserves the right to refuse service, suspend accounts, or terminate access to Services for any user at its sole discretion.

3. User Responsibilities and Conduct

By using the Services, you agree not to:

Use the Services for unlawful, fraudulent, or deceptive purposes;
Submit false or misleading information;
Impersonate any person or entity;
Violate any applicable insurance, securities, or consumer protection laws;
Attempt unauthorized access to our systems or data.

Violation of these terms may result in immediate termination of your access and possible legal consequences.

4. Referral Services and Independence of Professionals

Annualife facilitates referrals to licensed and independent insurance and financial professionals. These professionals:

Operate independently and are not employees of Annualife;
Are solely responsible for the services they provide to you;
May hold the Certified Annuity Advisor™ designation but are not under Annualife's control or supervision.

Any relationship or transaction you enter into with a referred professional is strictly between you and that individual or firm. Annualife does not guarantee, endorse, or assume responsibility for their advice, performance, or regulatory compliance.

5. Educational Services and the Certified Annuity Advisor™ Designation

Annualife administers the Certified Annuity Advisor™ program, which provides education, training, and professional recognition for qualified individuals. Completion of the program:

Does not constitute a license to sell insurance or provide financial advice;
Is not a substitute for state licensure or regulatory approval;
Does not imply endorsement by any governmental or regulatory agency.

Professionals who earn this designation are responsible for complying with all state and federal laws relevant to their practice.

6. Intellectual Property

All content on the Annualife website and related platforms—including training materials, videos, documentation, branding, trademarks, and the Certified Annuity Advisor™ designation—is the exclusive property of Annualife and protected by U.S. copyright, trademark, and intellectual property laws.
You may not reproduce, distribute, modify, or exploit any Annualife content without prior written consent.

7. Privacy and Data Usage

Your use of the Services is subject to our Privacy Policy, which describes how we collect, use, store, and share your information. By using the Services, you agree to the data practices described in the Privacy Policy.
Your personal information may be shared with licensed professionals in our referral network or used for customer service, follow-up, or marketing purposes. You can opt out at any time by contacting marketing@annualife.com.
Annualife does not sell your personal data to third parties.

8. Limitation of Liability

To the fullest extent permitted by law, Annualife shall not be liable for any indirect, incidental, special, punitive, or consequential damages arising out of or related to:

Your use of or inability to use the Services;
Communications or transactions with referred professionals;
Errors or omissions in any educational or informational content.

Annualife's maximum liability for any claim shall not exceed one hundred U.S. dollars ($100.00).

9. Indemnification

You agree to defend, indemnify, and hold harmless Annualife, its officers, employees, agents, partners, and affiliates from and against any claims, liabilities, losses, damages, or expenses (including attorneys' fees) arising out of:

Your violation of these Terms;
Your use of the Services;
Your interaction with any professional referred by Annualife.

10. Termination

Annualife may suspend or terminate your access to the Services at any time, for any reason, including but not limited to violation of these Terms. You may discontinue use of the Services at any time by ceasing all interaction with Annualife and its platforms.
All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. You agree that any dispute, claim, or cause of action relating to these Terms or the Services shall be resolved exclusively in the state or federal courts located in Palm Beach County, Florida, and you consent to the jurisdiction and venue of such courts.

12. Changes to These Terms

Annualife reserves the right to modify or update these Terms at any time. Changes will be effective immediately upon posting to our website, with the revised “Effective Date” shown at the top of the page. Continued use of the Services after such changes constitutes your acceptance of the updated Terms.

13. Contact Information

If you have any questions or concerns about these Terms, you may contact us at:
Email: info@annualife.com
Phone: +1 866-621-7146