Legal terms of use



The Terms are to be read by you together with any terms, conditions or disclaimers provided in the other pages of the Websites (the "Page Disclaimers"). In the event of any conflict between the Terms and the Page Disclaimers, the Page Disclaimers will govern.

All products and services of Premier Annuity Prospects that are described, made available or provided on the Website may be changed or withdrawn at any time without notice and are subject to the terms and conditions of the applicable agreements governing their use in force at the time of the provision of the product or service, in addition to the Terms and Page Disclaimers. In the event that the Terms or Page Disclaimers are inconsistent with the terms of any agreement that you or your organization may have with Premier Annuity Prospects, the terms of that agreement will govern.

The information, material and content provided in the pages of the Websites, including pricing information, (the "Information") is believed to be reliable when posted, but there is no guarantee that it is accurate, complete or current at all times. Without limiting the generality of the foregoing, the Information may include technical inaccuracies or typographical errors, and Premier Annuity Prospects and their officers, directors, employees and agents have no obligation to update the Information. The Information or the Websites may be changed, withdrawn or terminated at any time without notice.

Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly, and your continued access or use of the Websites will mean that you agree to any changes.

Any submission by you of an application, instruction or other request is subject to acceptance by Premier Annuity Prospects and can be declined by Premier Annuity Prospects.

Not offering any advice

The Information is for informational purposes only and is not intended to provide specific financial, investment, tax, legal, accounting or other advice to you, and should not be acted or relied upon in that regard without seeking the advice of a professional. Your advisor can help to ensure that your own circumstances have been properly considered and any action is taken on the latest available information.

No warranties

Premier Annuity Prospects provide the Websites and the Information on an "as is, where is" basis and do not make any express or implied warranties, representations, or endorsements with respect to the Websites or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currency, reliability and fitness for a particular purpose. Further, Premier Annuity Prospects does not represent or warrant that the Websites will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, difficulties in use, defects, incompatibility, failures, errors, omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for taking protection and backup of data and/or equipment and for taking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

Trademarks and copyrights

Certain names, words, titles, phrases, logos, icons, graphics or designs, or other content on the Websites, are trademarks or trade names owned by Premier Annuity Prospects or its subsidiaries.

Many of the trademarks displayed on the Websites are distinguished from one another and accompanied, at first use, with the appropriate trademark symbol: ®/TM/*. When the trademark symbol ® is used, it refers to a registered trademark of Premier Annuity Prospects. All other trademarks of Premier Annuity Prospects are marked with the TM symbol. Whenever the * symbol is used (or as appropriate, an alternate symbol such as **, † or ‡ ), it denotes a trademark which is the property of its respective owner.

Information provided by you

You agree that any information or materials that you provide to Premier Annuity Prospects through any of its Websites shall become the sole property of Premier Annuity Prospects.

Internet email

Any unprotected email communication over the Internet is, as with communication via other mediums (e.g. cellular phones, post office mail), not secure or confidential, subject to possible interception or loss, and possible alteration. You should not send any confidential, proprietary or sensitive information via these media. Premier Annuity Prospects is not responsible for and will not be liable to you or any one else for any damages in connection with an email or text message sent by you to Premier Annuity Prospects, or an email or text message sent by Premier Annuity Prospects to you.

No endorsements

No endorsement or approval of any third party or its advice, opinions, information, products or services is expressed or implied by any Information.

No liability

Premier Annuity Prospects is not responsible, and will not be liable to you or anyone else, for any damages whatsoever and howsoever caused (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with the Websites or the Information, or your ability on inability to access or use the Websites or the Information, or any action or decision made by you in reliance on the Websites or the Information, or any errors in or omissions from the Websites or the Information, or any unauthorized use or reproduction of the Websites or the Information, even if Premier Annuity Prospects has been advised of the possibility of these damages.


If you download any software, we are not responsible or liable for any difficulties or consequences associated with downloading such software. The use of any downloaded software is governed by the terms of the applicable license agreement, if any, which accompanies or is provided with such software.

You may not gather, extract, reproduce and/or display on any other non- Premier Annuity Prospect website or other online service, any material on or from the Website, whether or not by the use of spiders or other 'screen scraping' software or system used to extract data without the express consent of Premier Annuity Prospects.


The Website is administered by Premier Annuity Prospects, as specifically disclosed in the footers of the Website, from its offices in The United States. The Website, the Information, the Terms and the Page Disclaimers will be governed by and construed in accordance with the laws of The United States Government applicable therein, without giving effect to any principles of conflicts of laws, and notwithstanding your domicile, residence or physical location. All disputes, controversies or claims arising out of or in connection with the Websites, the Information, the Page Disclaimers or the Terms shall be submitted to and be subject to the exclusive jurisdiction of the courts of the United States of America. You submit and attorn to the exclusive jurisdiction of the courts of the United States of America to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Websites, the Information, the Page Disclaimers or the Terms.


Promotions only valid with new customers. Maximum order of 10,000 pieces. Rates are subject to change without notice. Premier Annuity Prospects reserves the right to change our promotions at any time without notice. Promotion prices do not include any administrative fees.