Terms
of Use

These terms govern your use of the ABNORMAL RESERVE website. By using this site, you agree to them. If you do not agree, please do not use the site.

Informational purpose only

This website is provided for general informational purposes. It describes products and concepts at a general level and is not a policy contract, an offer of insurance, or a guarantee of coverage. The terms of any coverage are set solely by the insurance policy issued by the carrier, and by the laws and regulations that apply to it.

Not tax, legal, or investment advice

Nothing on this website constitutes tax, legal, or investment advice. ABNORMAL RESERVE and its founders are licensed life insurance professionals. We are not tax advisors, investment advisors, or fiduciaries, and nothing on this site creates an advisory relationship of any kind. Please consult a qualified professional for advice specific to your circumstances.

Accuracy and availability of products

• Product availability, features, riders, definitions, and rates vary by carrier, by state, and by individual underwriting.
• Descriptions on this site are general and illustrative. They do not modify, expand, or replace the terms of any policy.
• Any figures or examples shown are illustrative only and do not represent a quote or an offer.
• We may update the content of this site at any time without notice. We do not warrant that every statement remains current or complete.

No guarantee of outcome

Nothing on this site should be read as a promise or guarantee of a particular financial outcome, a particular underwriting decision, or a particular product result. Insurance applications are subject to carrier review and underwriting, and coverage is not in force until a policy is issued and any required premium is paid.

Intellectual property

The content, branding, and design of this website are owned by ABNORMAL RESERVE or used with permission, and are protected by applicable intellectual property laws. You may view and use this site for your own personal, non-commercial purposes. You may not reproduce, distribute, modify, or republish its content without our written permission.

Third-party links

This site may link to third-party websites and services. We do not control those sites and are not responsible for their content, accuracy, or privacy practices. Links are provided for convenience and do not imply endorsement.

Limitation of liability

This website is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, ABNORMAL RESERVE disclaims liability for any loss or damage arising from your use of, or reliance on, this website or its content. Nothing in these terms limits any liability that cannot be limited under applicable law.

Governing law

These terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any dispute arising from your use of this site is subject to the exclusive jurisdiction of the courts located in California.

Changes to these terms

We may revise these terms from time to time. The date at the top of this page reflects the most recent revision. Continued use of the site after a revision means you accept the revised terms.

Contact

Questions about these terms can be sent through our contact page. You can also review our privacy policy and our licensing and disclosures page.