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If you are either a licensed life insurance agent, registered representative, IAR or other professional advisor working directly with the public, you are allowed to use IP with prospects, clients, referral sources and any other individual who is not directly involved in the life insurance industry. You may not distribute the IP to individuals involved in the life insurance industry. Individuals with whom you share the IP have no distribution or usage rights. You are required to inform recipients of the IP that they do not have distribution or usage rights.
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Pro-rata refunds will be provided upon request. The receipt of a refund eliminates all usage rights for IP already received. Usage rights are also forfeited if your subscription is not renewed.
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