This summary is for convenience only. It is not part of the agreement. If or where it differs from the numbered sections below, those control. We provide this summary in good faith.
These Referral Program Terms ("Program Terms") govern participation in the IUL.org Referral Program (the "Program"). These Program Terms form a binding agreement between Media Holding Group LLC d/b/a IUL.org ("IUL.org," "we," "us," or "our") and you ("Participant," "you," or "your"). These Program Terms supplement the IUL.org Terms of Service and Purchase Terms ("Master Terms"), which continue to apply in full and are incorporated by reference.
You accept these Program Terms by affirmatively agreeing to them at enrollment. IUL.org records the version of these Program Terms you accepted, the date and time of acceptance, and the account that accepted them.
If you use a Referral Link or Referral Code, or accept any Reward, without having completed enrollment acceptance, you are bound by these Program Terms as of your first such act. If you do not agree, do not enroll and do not use any Referral Link or Referral Code.
Enrollment in the Program is free. IUL.org charges nothing to join, nothing to remain enrolled, and nothing to receive a Referral Link. You do not need an IUL.org lead subscription to participate, and you do not need to purchase leads to earn Rewards.
Rewards are issued in IUL Leads, and all IUL Leads are delivered into an IUL.org CRM account. You therefore need an Active CRM Account to take delivery of any Reward. Rewards accrue whether or not you have one, and Section 5.9 explains your options if you do not.
To enroll and to remain eligible, you must at all times:
An Active CRM Account is required to take delivery of Rewards under Section 5.9, and an insurance license is required to take delivery under Section 5.11. Neither is required to enroll or to accrue.
The following are not eligible: current and former IUL.org employees, contractors, consultants, and vendors; members of their immediate households; any person acting on behalf of a competitor; any person previously terminated from the Program; and any person IUL.org determines, in its sole discretion, presents a compliance, reputational, or legal risk.
One Program account per individual, per entity, per household, per taxpayer identification number, per payment instrument, and per physical address. IUL.org may aggregate or terminate accounts it determines are duplicative or coordinated.
The Program is one-sided. An agent who signs up through your Referral Link receives no discount, credit, bonus, extended trial, or other Program benefit, and pays the same published price as any other customer. You may not state or imply otherwise.
IUL.org does not provide legal, compliance, or tax advice. You are solely responsible for determining the lawfulness of your promotional activity and for your own tax treatment.
"Active CRM Account" means an IUL.org CRM account, in your name or the name of an entity you control, that is provisioned, current, in good standing, and not suspended, cancelled, or in a failed-payment state.
"Active Lead Subscription" means a paid IUL.org lead subscription that is current and in good standing, and that is not paused, suspended, cancelled, or in a failed-payment state. The effect of a refund, reversal, or payment dispute on accrual is governed by Section 6, not by this definition.
"Affiliated Person" means yourself; any account you own, control, fund, or manage; any spouse, domestic partner, parent, child, sibling, or member of your household; any entity in which you hold a direct or indirect ownership, officer, or director interest; any person whose IUL.org purchase you pay for, reimburse, subsidize, or finance in whole or in part; any downline agent, contracted agent, employee, or contractor of yours whose IUL.org purchase you direct, require, or condition any benefit upon; and any person acting at your direction to circumvent Section 4.
"Company Marks" means the IUL.org name and logo, together with all other names, logos, wordmarks, domain names, social handles, trade dress, and identifiers owned or controlled by IUL.org, whether registered or unregistered, and whether now held or acquired in the future.
"IUL Lead" has the meaning given in the Master Terms. Nothing in these Program Terms modifies that definition, and no Reward expands any representation about what an IUL Lead is or is not.
"Referral Code" and "Referral Link" mean the unique code and unique tracking URL that IUL.org issues to an enrolled Participant.
"Referral Portal" means the dashboard IUL.org makes available to enrolled Participants showing credited referrals and accrued Rewards.
"Referred Agent" means a person or entity that was not previously a customer of IUL.org, was not previously identified in IUL.org's systems as a lead, prospect, trial user, applicant, or contact, is not an Affiliated Person of the Participant, and enrolls in an IUL.org lead subscription through the Participant's Referral Link or Referral Code in accordance with Section 4.
"Reward" or "Match Reward" means IUL Leads accrued to a Participant under Section 5, and nothing else. The Program pays no cash, no cash equivalents, no gift cards, no account credit, no rebates, no discounts, no equity, no override, and no commissions of any kind.
"Reward Lead" means an individual IUL Lead accrued or delivered as part of a Match Reward. Reward Leads are subject to every term of the Master Terms that applies to purchased IUL Leads, including Section 6 (Platform-Only Contact Requirement) and Section 6.4 (Lead Data License) of the Master Terms.
"Reward Week" means the seven-day accrual cycle beginning Monday at 12:00 a.m. Eastern Time and ending the following Sunday at 11:59 p.m. Eastern Time. Accrual for a Reward Week is determined as follows: (a) accrual is triggered by successful collection of the Referred Agent's payment for the period covering that Reward Week, and not by delivery of leads to that Referred Agent; (b) the Referred Agent's plan in effect on the last day of the Reward Week controls the Match Reward for that week, and mid-week plan changes are not prorated; (c) the first and last Reward Weeks of a Referred Agent's subscription accrue in full if payment covering that week was collected, and partial weeks are not prorated; and (d) a Reward Week in which the Referred Agent's payment succeeded but lead delivery to that Referred Agent was paused, throttled, or suspended for any reason still accrues.
The Program is a word-of-mouth referral program. It rewards Participants, in IUL Leads only, for introducing agents to IUL.org.
No employment, partnership, joint venture, or fiduciary relationship is created. You are not an employee, agent, representative, or spokesperson of IUL.org for any purpose relating to the Program. You have no authority to bind IUL.org, to make any representation on its behalf, to quote pricing, to modify any term, or to hold yourself out as authorized to do any of those things.
For clarity, the limited Authorized Representative status granted under Section 3.4 of the Master Terms applies solely to contacting IUL Leads delivered to your CRM sub-account. It does not extend to any promotional activity you conduct under the Program, and it confers no authority to promote, market, or solicit on behalf of IUL.org.
Enrollment in the Program is free and requires no purchase. IUL.org does not solicit you to enter into any new business, does not represent that it will provide locations, outlets, accounts, or customers for any business of yours, does not offer any buy-back arrangement, does not grant any territory or exclusive area, does not assist in setting up or operating any business, and does not offer or sell any franchise. Any product you separately choose to purchase from IUL.org is bought on its published terms and is not a condition of Program participation. The Program is not a "business opportunity" within the meaning of 16 C.F.R. Part 437 and is not a "franchise" within the meaning of 16 C.F.R. Part 436.
The Program pays one level only. You are rewarded solely on the basis of leads that a Referred Agent purchases for that Referred Agent's own use, for as long as that Referred Agent maintains an Active Lead Subscription. You are not rewarded for the referral activity of any other person, at any depth, under any circumstance, and you are not rewarded for enrolling anyone in the Program. There is no downline, no override, no team volume, no rank, no matrix, no binary, no spillover, and no recruiting bonus.
No Reward represents an equity interest, a profit interest, a note, an investment contract, or any other security.
Nothing in the Program constitutes an insurance agency appointment, a sub-agency agreement, a producer contract, or a hierarchy placement. IUL.org pays nothing for the sale, solicitation, or negotiation of insurance. No Reward is tied to any policy written, submitted, issued, or placed.
IUL.org makes no representation, warranty, or guarantee regarding the number of Referred Agents you will generate, the number of Rewards you will accrue, the performance of any IUL Lead, or any income, revenue, or return of any kind.
No Participant acquires any right to continued participation in the Program, to future accruals, to any particular Match Reward rate, or to the continuation of the Program itself. IUL.org may modify, suspend, geographically restrict, or permanently discontinue the Program, in whole or in part, at any time.
Changes apply prospectively from the date notice is given under Section 21.3. Rewards validly accrued before the effective date of a modification, or before termination or discontinuation of the Program, remain governed by Sections 5, 6, and 15 as they read at the time of accrual, and will not be reduced or cancelled retroactively, except where reduction or cancellation is required by law or is necessary to address fraud, abuse, error, or a reversal event under Section 6.
If you do not accept a prospective change, your sole and exclusive remedy is to stop participating and to request delivery or transfer of your accrued balance under Section 5.
A referral is credited only if the Referred Agent:
Only lead subscriptions earn Rewards. A Referred Agent's purchase of any other IUL.org product or service earns no Reward of any kind, including CRM access and renewals, training, coaching, courses, done-for-you or setup services, add-ons, upsells, one-time offers, and usage-based charges for calls, texts, emails, or workflows. Rewards are calculated solely on the IUL Leads included in a Referred Agent's lead subscription plan.
The attribution window is currently three hundred sixty-five (365) days. IUL.org may change it, and any change applies prospectively under Section 21.3 to clicks occurring after notice, but the window will not be reduced below sixty (60) days.
Every credited referral appears in your Referral Portal. The Referral Portal is the sole, exclusive, and final record of referral attribution.
It is your sole responsibility to monitor the Referral Portal and to confirm that each agent you refer appears there and is coded to you. If an agent you believe you referred does not appear in your Referral Portal, you must notify IUL.org in writing within fourteen (14) days of that agent's purchase. IUL.org will make a good faith effort to investigate and, where the facts and IUL.org's own records support it, to correct the record. IUL.org is not obligated to reach any particular outcome, and its determination is final and binding.
IUL.org does not guarantee that tracking will work, and assumes no liability of any kind for tracking that does not. Tracking depends on systems outside IUL.org's control, including browser settings, ad blockers, privacy tools, device switching, cookie clearing, VPNs, incognito browsing, app-embedded browsers, and link stripping or rewriting by messaging and social platforms.
If a referral is not captured, for any reason, no Reward is due and IUL.org has no obligation to credit it. Screenshots, emails, text messages, call logs, testimony, third-party analytics, and Participant records are not evidence of attribution and will not be accepted as a basis for creating a credit that IUL.org's own records do not show.
Once an agent is coded to a Participant, IUL.org will not move that agent to a different Participant. This is absolute. IUL.org will not reassign attribution at the request of the original Participant, at the request of any other Participant, at the request of the referred agent, or on the agreement of all of them. Where more than one Participant is associated with the same Referred Agent, the most recent qualifying Referral Link click or Referral Code entry before purchase controls, and IUL.org will not split, share, or duplicate a Reward.
Except for a correction IUL.org elects to make under Section 4.2 on the basis of its own contemporaneous internal records, attribution will not be added, backdated, reassigned, divided, or otherwise manually altered after a purchase is completed. A correction under Section 4.2 may create a credit where IUL.org's records show that none was recorded. It may never move a credit from one Participant to another.
No Reward is accrued for any person or entity already present in IUL.org's customer relationship management system, marketing database, or order records at the time of the click, regardless of how they got there and regardless of who introduced them.
You may not refer any Affiliated Person, and no Reward will be accrued for any Affiliated Person. You may not require, condition, or suggest that any person must purchase IUL.org leads in order to receive any contract, appointment, commission level, training, lead flow, or other benefit from you.
Referral credit runs one direction only. You may not participate in any arrangement in which referrals are exchanged, looped, or routed among a group so that the members of the group reward each other.
No Reward accrues where following the referral chain forward from a Referred Agent leads back to you, through any number of intermediate accounts. To illustrate: if the first agent refers a second, the second refers a third, and the third refers the first, that chain closes on itself and no Reward accrues to any account in it. The same applies to a two-account exchange and to any longer loop, whether the accounts enroll at the same time or over any period.
IUL.org may also void all Rewards accrued by any group of accounts that it determines, in its sole discretion, is coordinating enrollments, purchases, timing, or payment in order to generate Rewards for each other or to defeat Section 4.6. Voiding under this Section applies to every account in the group, including accounts that did not themselves initiate the arrangement.
The Match Reward for a Reward Week equals the number of IUL Leads included in the Referred Agent's plan for that Reward Week, as published on IUL.org at the time of accrual. Your own plan, if you have one, does not limit or affect the Match Reward. If the Referred Agent is on a larger plan than you, you accrue that Referred Agent's full weekly volume.
| Plan the Agent You Refer Is On | Their Weekly IUL Leads | You Accrue, Per Reward Week |
|---|---|---|
| New Agent | 40 | 40 IUL Leads |
| Part Time | 100 | 100 IUL Leads |
| IUL Professional | 500 | 500 IUL Leads |
Plan names and lead counts are those published on IUL.org from time to time. If a plan is renamed, repriced, or its lead count changes, the Match Reward follows the plan as then published. This table is illustrative and does not fix the Match Reward at any historical value.
There is no limit on the number of Referred Agents you may have. Rewards from multiple Referred Agents are cumulative. There is no second level and no reward of any kind arising from a Referred Agent's own referrals.
Reward Leads accrue to your Program balance as they are earned. IUL.org does not deliver Reward Leads until you request delivery. Nothing is pushed to your CRM account automatically.
You may request delivery of any portion of your accrued balance at any time, or set a standing weekly delivery instruction so that Reward Leads are released to you on a recurring basis. Delivery requests are fulfilled into your Active CRM Account. A delivery request, once fulfilled, is final and cannot be reversed.
Reward Leads are released as inventory, ad delivery, campaign performance, geography, and platform conditions allow. IUL.org does not guarantee that any requested quantity will be available or delivered in any given week. IUL.org may pace, throttle, batch, defer, substitute geography, or partially fulfill any delivery request in its sole discretion, particularly for large balances.
Accrued Reward Leads do not expire. They remain in your balance until you request delivery or transfer under Section 5.4 or Section 5.8, until they are reversed or forfeited under Section 6, or until participation terminates under Section 15.
Accrued Rewards are a record of IUL Leads you may request. They are not a bank account, wallet, deposit, stored value, gift certificate, or account credit, they carry no cash value under Section 5.7, and they are never redeemable for anything other than delivery or transfer of IUL Leads. The absence of an expiration date does not make any accrued Reward a debt, obligation, or property right of any kind, and Section 3.8 continues to apply.
IUL.org pays no cash under this Program. Reward Leads are not redeemable by IUL.org for cash, credit, discount, or refund; are not applicable against any invoice, usage-based charge, or balance you owe IUL.org; and are not refundable or returnable to IUL.org. Nothing in this Section limits your rights under Section 5.8.
IUL.org may, in its sole discretion, introduce a cash option for accrued Reward Leads in the future, on whatever terms and at whatever rate it publishes at that time. IUL.org is under no obligation to introduce one, commits to no date, and gives no assurance that any particular rate will be offered or that any accrued Reward Lead will be eligible. This Section continues to apply in full until such an option is introduced and published, and no Participant may rely on a future cash option in deciding whether to enroll, accrue, request delivery, or transfer.
Accrued Reward Leads may be transferred to another agent who holds an Active CRM Account, through the transfer process IUL.org makes available.
Each transfer must be at least two hundred (200) Reward Leads. IUL.org will not process a transfer below that size. If your accrued balance is below two hundred (200), your options are to take delivery into your own CRM account under Section 5.4, or to wait until your balance reaches two hundred (200) and then transfer. IUL.org may change the minimum transfer size prospectively under Section 21.3.
No transfer is effective, and no lead is delivered to a transferee, until that transferee has affirmatively accepted, through that process: the Master Terms in full; the lead data license and its restrictions under Section 6.4 of the Master Terms; the platform-only contact requirement under Section 6 of the Master Terms; sole responsibility for the lawfulness of their own outreach under Section 5.3 of the Master Terms; and responsibility for any usage-based charges their outreach incurs. IUL.org records that acceptance and the version accepted. A transferee who does not accept receives nothing, and the leads remain in your accrued balance subject to Section 5.6.
On an effective transfer, the leads are delivered into the transferee's CRM sub-account and are authorized to that sub-account as of the delivery date under Section 3.1 of the Master Terms.
Transfers are final. IUL.org is not a party to, and has no responsibility for, any arrangement, payment, promise, or dispute between you and a transferee. IUL.org does not guarantee, escrow, mediate, reverse, or enforce any such arrangement.
Transfer is the only permitted means of moving Reward Leads to another person. Exporting lead data, copying lead records, or routing leads to any system outside IUL.org infrastructure remains prohibited under Section 6.2 of the Master Terms, whether for transfer, sale, or any other purpose, and is a material breach.
Rewards accrue whether or not you hold an Active CRM Account. To take delivery, you must either obtain an Active CRM Account or transfer the accrued Reward Leads under Section 5.8 to an agent who holds one. Accrued Rewards do not expire while you are without a CRM account, but they remain subject to reversal and forfeiture under Section 6 and to Section 15 on termination.
Accrual for a given Referred Agent runs only while that Referred Agent holds an Active Lead Subscription, and stops immediately when that subscription lapses, is paused, fails payment, is suspended, or is cancelled. If that Referred Agent later returns, accrual does not resume and no new referral credit is created. Rewards already accrued from that Referred Agent are unaffected, except as provided in Section 6.
Enrollment and accrual require no insurance license. Taking delivery of Reward Leads into your own CRM account does. To request delivery to yourself, you must hold every insurance license required for the outreach and transactions you intend to conduct with those leads, consistent with Section 1.1 of the Master Terms, and you represent that you hold them each time you request delivery.
If you are not licensed, you may still enroll, accrue, and transfer accrued Reward Leads under Section 5.8 to an agent who is. IUL.org may require evidence of licensure before fulfilling any delivery request, and may refuse or reverse a delivery made on the basis of an inaccurate representation.
Reversal rights under this Section continue for so long as any charge to a Referred Agent remains disputable under the applicable card network or bank rules, and thereafter for so long as any actual dispute, chargeback, fraud investigation, collection action, or related proceeding involving that Referred Agent remains unresolved. Reversal rights survive termination of your participation.
Rewards accrued and not yet delivered are reversed, and Rewards already delivered or transferred are subject to offset and recovery under Section 6.5, upon any of the following:
A reversal removes only the Match Rewards attributable to the specific billing cycle or cycles affected. Rewards attributable to cycles that were paid and not disputed are unaffected. Forward accrual for that Referred Agent stops on the date of the event regardless.
If a disputed charge is resolved in IUL.org's favor and the funds are recovered, Rewards reversed on account of that dispute are reinstated and accrual for that Referred Agent resumes, in each case as of the resolution date. Rewards forfeited under Section 6.4 are not reinstated.
All accrued and undelivered Rewards are forfeited immediately and automatically upon:
For a breach of Section 8, Section 9, or Section 10, IUL.org will give you written notice identifying the breach, and forfeiture applies only if you fail to cure it within the twenty-four (24) hours allowed by Section 9.5. A repeated breach of the same kind, and any breach IUL.org determines was deliberate, forfeits immediately without notice or opportunity to cure.
IUL.org may offset improperly accrued or improperly issued Rewards against any Rewards otherwise due to you, against your accrued balance, against any credit otherwise owed to you, or against any amount IUL.org otherwise holds for you. Offset is IUL.org's primary remedy and applies to every reversal event under Section 6.2, whatever its cause.
Where Reward Leads have already been delivered or transferred and offset is insufficient, IUL.org may recover their Reversal Value from you in cash only where the reversal event resulted from fraud, self-dealing under Section 4.6, a circular, reciprocal, or coordinated arrangement under Section 4.7, a misrepresentation by you, or your breach of these Program Terms or the Master Terms. An ordinary refund, payment failure, or chargeback by a Referred Agent, arising without fault on your part, does not create any cash liability for Reward Leads already delivered to you in good faith.
Where cash recovery applies, the amount becomes a past-due debt owed to IUL.org, immediately due and payable, and IUL.org may recover it under Section 7.7 of the Master Terms, including interest, collection agency fees, court costs, and reasonable attorneys' fees. For this purpose only, the "Reversal Value" of a Reward Lead is the per-lead price of the plan that generated it, calculated as that plan's weekly published price divided by its weekly lead count. Reversal Value is a measure of recovery only. It does not make any Reward Lead redeemable, refundable, or payable in cash, and does not entitle any Participant to payment.
IUL.org may suspend accrual, refuse or delay delivery requests, block transfers, freeze a Program account, and withhold Rewards for up to one hundred twenty (120) days pending investigation of suspected fraud, abuse, prohibited conduct, or a third-party complaint, without liability.
IUL.org will notify you that a hold has been placed on your Program account, ordinarily within five (5) business days of placing it, and will notify you when the hold is lifted. IUL.org is not obligated to disclose the basis of the investigation while it is open.
You are solely responsible for determining, reporting, and paying all federal, state, and local taxes arising from your participation, including income tax and self-employment tax, if any.
Reward Leads are non-cash consideration with real value. Where reporting is required, IUL.org will report the fair market value of Reward Leads delivered or transferred to you on an IRS information return, and will furnish you a copy.
Reporting is measured on receipt, not on accrual. Reward Leads sitting in your accrued balance are not reported. Reward Leads become reportable in the calendar year in which they are delivered to you or transferred at your direction.
Because nothing is delivered until you request it under Section 5.4, you control the amount reported. Request the volume you will actually work.
IUL.org determines the fair market value of Reward Leads by reference to the per-lead price it publishes for IUL Leads, excluding any introductory, first-order, or promotional price, applying any published volume rate that would apply to an order of comparable size. The methodology is documented in writing and applied consistently across all Participants, and IUL.org's determination is final for information reporting purposes.
You may obtain the current per-lead price used for this purpose on request before submitting a delivery or transfer request. IUL.org recommends you do so.
A completed and signed IRS Form W-9 is required before IUL.org fulfills your first delivery or transfer request. This is a condition of receiving Rewards, not of enrolling or accruing. Rewards continue to accrue while the form is outstanding.
IUL.org may offer cash payments under the Program in the future. If and when it does, the same form and the same reporting requirements will apply to those payments, and no separate enrollment or form will be required of a Participant already on file.
Until the required form is received, IUL.org will not fulfill any delivery or transfer request, and may suspend or forfeit Rewards. Where backup withholding applies, IUL.org may reduce the Reward, require a cash payment from you covering the withholding, or decline to fulfill the request. IUL.org may require an updated form at any time, including where your name, entity type, or taxpayer identification number changes.
IUL.org does not provide tax advice and makes no representation about how any Reward will be treated on your return, whether any offsetting deduction is available to you, or what your resulting liability will be. Consult your own tax advisor before requesting delivery or transfer of any Reward.
You may promote the Program and IUL.org through one-to-one conversations, calls, texts, and emails with people you know personally or with whom you have an existing business relationship; your own website, blog, newsletter, and social profiles where you are the identified author; industry groups and forums where the group rules expressly permit it; podcasts, videos, and livestreams you host or appear on; and in-person events.
IUL.org does not supply creative assets and is under no obligation to do so. Every image, video, caption, email, page, script, slide, and other material you use to promote the Program is created by you, at your own expense, and is your sole responsibility. All of it must comply with Sections 9, 10, and 11, and with Section 8.3 where prior approval is required.
Because you author your own material, you carry the entire risk of misrepresenting the product. Section 10.2 limits what you may say about how the product works, and it is narrow. Read it before you write anything.
The following require IUL.org's prior written approval, which may be withheld for any reason and revoked at any time:
You have a material connection to IUL.org. Every time you promote IUL.org, the Program, or any IUL.org product in any public or semi-public setting, you must clearly and conspicuously disclose that material connection, consistent with the FTC's Guides Concerning the Use of Endorsements and Testimonials in Advertising, 16 C.F.R. Part 255.
The disclosure must be:
Use one of the following, placed at the start of the post, caption, or script:
You must additionally comply with the disclosure requirements of every platform you post on, including paid partnership and branded content tools where the platform requires them.
If IUL.org notifies you that any content fails to comply, you must correct or remove it within twenty-four (24) hours of notice.
You may not state, imply, or suggest any specific or typical income, revenue, commission, premium, placement, return on investment, close rate, contact rate, or appointment rate that a purchaser of IUL.org leads will or may achieve. This includes screenshots of commission statements, dashboards, deposits, bank balances, or carrier reports presented as an expected outcome, and includes phrasings such as "I made X," "you can make X," "this pays for itself," "guaranteed ROI," and "replace your income."
IUL.org's own published pages are the only permitted source for any statement you make about how the product works. The full explanation of the lead capture, education, introduction, and follow-up process is published at iul.org/our-approach. Read it before you describe the product to anyone.
You may accurately describe the Program and IUL.org products using information currently published by IUL.org. You may paraphrase that information only if your paraphrase preserves its complete meaning, together with every qualification, condition, and limitation attached to it, and does not make any claim broader, stronger, more certain, or more favorable than the published version. Dropping a condition is not paraphrasing. You may not describe any part of the process that IUL.org has not published. If you are not certain your description preserves the whole meaning, quote the published language instead, or say nothing.
IUL.org may withdraw any specific claim or phrase from permitted use by written notice to you, after which you may not use it regardless of whether it remains published. Where a published claim is conditional, you must carry the condition with it. A published statement that a conversation is warm once a prospect has opened a letter is a conditional claim, and you may not restate it as a claim about IUL Leads generally or about any lead at the time of delivery.
Regardless of any published language, you may not state or imply that an IUL Lead is guaranteed, verified as a buyer, pre-qualified, pre-sold, screened for income or health, or exclusive beyond what the Master Terms provide. You may not state or imply that a consumer requested insurance, requested a quote, selected or asked for a specific agent, agreed to an appointment, or demonstrated purchasing intent, merely because an introduction or educational message was sent, delivered, or opened. Consistent with the definition of IUL Lead in the Master Terms, you may not state or imply that a consumer has expressed interest in, requested, inquired about, or has any awareness of any insurance product at the time the lead is delivered.
Published language changes. Checking the current IUL.org pages before you make a claim is your responsibility, and you must correct or remove earlier claims under Section 9.5 when the underlying published language changes.
You may not state or imply that IUL.org leads make any agent, campaign, call, text, or email compliant with the Telephone Consumer Protection Act, any state telemarketing statute, the Telemarketing Sales Rule, any do-not-call rule, or any other law. Consent records and delivery records are provided. Compliance remains the purchasing agent's responsibility under Section 5.3 of the Master Terms.
You may not state or imply that any insurance carrier, IMO, FMO, regulator, government body, association, or publication endorses, approves, sponsors, licenses, or is affiliated with IUL.org unless IUL.org has confirmed that relationship in writing and approved the specific wording.
You may not create, commission, or share fabricated, composite, artificially generated, or unverified testimonials, reviews, screenshots, statistics, case studies, agent counts, or production figures. You may not present another person's result as your own. You may not incentivize, script, or edit a third party's review.
Any statement you make about your own results must be truthful, must reflect your actual documented experience, must be substantiated by records you retain and produce to IUL.org within five (5) business days on request, and must be accompanied by a clear statement that individual results vary and are not typical.
You may not state, quote, or imply any price, discount, bonus, guarantee, refund policy, trial, term, or offer other than what appears on the current IUL.org public pages at the time of your statement. All sales are final and non-refundable under Section 4 of the Master Terms, and you may not suggest otherwise.
You may not use the Program, Company Marks, or any material you create for the Program to describe, illustrate, or make claims about any insurance product, policy performance, index performance, tax treatment, or retirement outcome.
You may not, directly or indirectly, through any person, entity, tool, or automation:
Nothing in this Section restricts your right to publish a truthful review of IUL.org or to make a protected report to a regulator under Section 9.2 of the Master Terms.
Violations constitute material breach.
You participate in the Program as an independent business acting entirely on your own behalf and at your own direction.
IUL.org sets brand standards, publishes the product information you may quote under Section 10.2, and reviews the specific activities that require prior written approval under Section 8.3. IUL.org does not create, author, or supply your promotional material. Apart from the foregoing, IUL.org does not direct, control, supervise, schedule, staff, script, or ratify the manner, means, method, timing, frequency, channel, audience, list, or technology by which you promote IUL.org or the Program. Approval of material you submit, or of a placement, is permission for you to use it. It is not an instruction to send anything, not a direction to contact any recipient, and not authorization for any communication to any person.
Every call, text, email, message, post, and advertisement you make or cause to be made in connection with the Program is initiated solely by you, on your own behalf, for your own purposes. IUL.org does not authorize you to make any telemarketing communication of any kind in connection with the Program, and expressly prohibits it under Section 11.
You may not create, and IUL.org does not confer, any actual, implied, or apparent authority to act for IUL.org in connection with the Program. Any representation you make in violation of this Section is made without authority, is void as against IUL.org, and is your sole responsibility.
You are solely responsible for compliance with all laws applicable to your promotional activity, including the Telephone Consumer Protection Act and its implementing rules, all state telemarketing statutes, the Telemarketing Sales Rule, the CAN-SPAM Act, the FTC Act and the Endorsement Guides, all state unfair and deceptive acts and practices statutes, all state insurance advertising and producer conduct rules, all applicable privacy laws, and the terms of every platform you use.
You are fully responsible for the acts and omissions of any employee, contractor, agency, vendor, virtual assistant, media buyer, or sub-affiliate you engage, as if they were your own.
Subject to your continuous compliance and to approval under Section 8.3, IUL.org grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to display Company Marks solely as IUL.org publishes them, without alteration, and solely to promote IUL.org under the Program.
You may not modify, animate, recolor, distort, combine with other marks, use as a design element, use in a manner suggesting endorsement of you, or register or attempt to register any Company Mark or anything confusingly similar, anywhere, in any class, in any jurisdiction.
IUL.org retains all right, title, and interest in Company Marks. All use by you, and all goodwill arising from it, inures solely to IUL.org. You acquire no rights.
You retain ownership of content you originate. You grant IUL.org a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use, reproduce, display, adapt, and distribute any content you publish publicly in connection with the Program, including for marketing, and you waive any moral rights to the extent permitted by law.
The license terminates automatically on termination of your participation. You must remove all Company Marks, all Referral Links, and all material referencing IUL.org or the Program from every property you control within five (5) calendar days.
IUL.org may monitor your public promotional activity, may use third-party brand-protection and compliance tools, and may test Referral Links and review your published material at any time without notice.
On request, you must produce within five (5) business days:
You must notify IUL.org in writing within three (3) business days of receiving any complaint, demand letter, subpoena, regulatory inquiry, or lawsuit relating in any way to your promotion of IUL.org.
You may withdraw at any time by written notice. Accrual stops on the date of notice.
IUL.org may terminate your participation at any time, for any reason or no reason, effective on notice. On termination without cause, you must submit a valid delivery or transfer request covering your accrued balance within sixty (60) days after the effective date of termination. Rewards covered by a timely request remain eligible until fulfilled, subject to reasonable pacing under Section 5.5 and to Section 6, and do not lapse while fulfillment remains pending through no fault of yours. Termination is the one circumstance in which an accrued balance lapses: Rewards for which no timely request is submitted within that sixty-day period are forfeited, notwithstanding Section 5.6.
IUL.org may terminate immediately and without notice for any material breach of these Program Terms, any breach of the Master Terms, any suspected fraud or abuse, any regulatory or platform complaint, or any conduct IUL.org determines poses reputational or legal risk. On termination for cause, all accrued and undelivered Rewards are forfeited immediately, subject to the notice and cure provisions of Section 6.4 where they apply, and Rewards already delivered or transferred are subject to offset and recovery under Section 6.5.
On termination for any reason:
Termination of Program participation does not by itself terminate your IUL.org CRM account or any lead subscription you hold.
These limitations apply even if any limited remedy fails of its essential purpose, and are an essential basis of the bargain between the parties. This Section is separate from, and does not increase, the liability cap in Section 11 of the Master Terms.
You agree to defend, indemnify, and hold harmless IUL.org from all claims, demands, actions, investigations, proceedings, losses, liabilities, damages, judgments, settlements, fines, and penalties arising from:
This includes attorneys' fees, expert fees, and defense and investigation costs. IUL.org may, at its option and at your expense, assume exclusive control of the defense and settlement of any matter subject to indemnification, using counsel of its choosing. You will cooperate fully and may not settle any matter in a manner that admits fault by IUL.org, imposes any obligation on IUL.org, or affects IUL.org's rights, without IUL.org's prior written consent. IUL.org reserves the right to pursue recovery of defense costs and attorneys' fees as an affirmative claim in any proceeding, including proceedings initiated by the Participant.
Section 13 of the Master Terms (Governing Law and Disputes) applies in full to any dispute arising out of or relating to the Program and is incorporated by reference. That includes Delaware governing law, binding individual arbitration before a single arbitrator seated in Collin County, Texas under the AAA Commercial Arbitration Rules, the thirty (30) day informal resolution period, the class action waiver, exclusive venue in Collin County, Texas for permitted court actions, the IUL.org forum election, and severability.
You are responsible for all costs IUL.org incurs in enforcing these Program Terms against you or in recovering any amount you owe, including collection agency fees, court and arbitration costs, and reasonable attorneys' fees, consistent with Section 7.7 of the Master Terms.
Nothing in these Program Terms limits your rights under Section 9.2 of the Master Terms to make a protected report to any government agency, regulator, or law enforcement body.
The following sections survive any termination or expiration of these Program Terms: Section 3.8 (Accrued Rewards Preserved), Section 5.7 (No Cash), Section 5.8 (Transfer), Section 6 (Reversal, Forfeiture, and Offset), Section 7 (Taxes), Section 11.2, 11.6, and 11.7, Section 12 (Independent Conduct and No Agency), Sections 13.3 and 13.4 (Ownership and Content License), Section 16 (Disclaimers), Section 17 (Limitation of Liability), Section 18 (Indemnification), Section 19 (Governing Law and Disputes), and any other provision that by its nature is intended to survive termination.
These Program Terms are supplemental. Except as expressly provided in this Section, nothing in them modifies, waives, or limits any provision of the Master Terms governing lead purchases, refunds, payment disputes, lead use restrictions, platform-only contact, or exclusivity.
The sole exception is Section 5.8. Accrued Reward Leads may be assigned and delivered to another authorized CRM sub-account solely through the transfer process permitted by Section 5.8. Such a transfer creates a new limited lead data license in favor of the transferee under Section 6.4 of the Master Terms, and does not constitute an export, copy, or routing of consumer data outside IUL.org infrastructure. Nothing else in these Program Terms alters the lead use restrictions in the Master Terms.
Where a conflict exists as to the Program specifically, these Program Terms control. In all other respects the Master Terms control.
These Program Terms, together with the Master Terms and any written approval issued under Section 8.3, constitute the entire agreement regarding the Program and supersede all prior or contemporaneous proposals, statements, emails, calls, webinars, recordings, and marketing materials. No statement made by any IUL.org employee, contractor, or other Participant modifies these Program Terms. You represent that you have not relied on any statement outside this document.
IUL.org may update these Program Terms at any time. Material changes will be communicated by email to the Participant's account email address or by notice within the platform, and apply prospectively from the date of that notice. Non-material changes take effect on posting. No change applies retroactively to Rewards validly accrued before the notice date, except as provided in Section 3.8. Continued participation after notice constitutes acceptance of a prospective change.
You may not assign or transfer these Program Terms or any right under them without the prior written consent of IUL.org. This does not restrict transfers of accrued Reward Leads made in accordance with Section 5.8. IUL.org may assign without restriction.
The failure of IUL.org to enforce any provision shall not constitute a waiver of that provision or any other provision.
Where these Program Terms grant IUL.org discretion, IUL.org may exercise that discretion reasonably to protect the Program, its Participants, consumers, and IUL.org. IUL.org is not obligated to disclose the basis of a determination where doing so would compromise fraud detection or an ongoing investigation.
You consent to receive all communications, notices, agreements, disclosures, and records relating to the Program electronically. Your electronic acceptance, click-through, or continued participation constitutes your signature under the federal E-SIGN Act and applicable state law.
IUL.org is not liable for any failure or delay in Program operation, accrual, delivery, or transfer caused by events beyond its reasonable control, as described in Section 7.5 of the Master Terms, including advertising platform policy changes, account restrictions or outages, and interruption in lead inventory.
Questions about these Program Terms may be directed to [email protected].