The sole purpose of this site, lifeandhealth.expert is to help the public (you) learn about life insurance, disability insurance, health insurance and long term care and assist you in contacting knowledgeable insurance agents or advisors in your area who may be helpful. There is no charge to you for using this service.
Members of the lifeandhealth.expert are individuals and companies who have a listing on this website. Upon joining our network, they agree to abide by an ethical code of conduct. We trust that members we refer you to will treat you in an honest, fair and equitable manner. We do not verify the background or business practice of our members and it is up to you to determine for yourself the integrity of any provider we refer you to. We are not responsible if your experience with any of our referrals is not satisfactory.
1. Use of Web Site Documents
You may view, copy and print documents, (graphics and logos not included), that The Life and Health Experts publishes on the Site (“Documents”) such as press releases and articles subject to the following: (a) the Documents’ content may not be modified or altered in any way, (b) you do not profit from the sale or publication of any The Life and Health Experts material, and (c) you cite us as the source and provide a link on your site back to the material you referenced.
We do not give you permission to publish any of this material in book form, as a pamphlet or compromise the integrity of any article without written consent.
2. Use of Forums and Public Communication
“Forum” means a discussion group, chat area, bulletin board, news group, blog, wiki, letter to The Life and Health Experts, its webmaster or employees, e-mail function, web request or other service in connection with which you can upload, email, post, publish or otherwise transmit Content. You agree not to upload, email, post, publish, distribute or otherwise transmit through a Forum any Content that: (a) is false or misleading; (b) is defamatory; (c) is harassing or invades another’s privacy, or promotes bigotry, racism, hatred or harm against any group or individual; (d) is obscene; (e) infringes another’s rights, including but not limited to intellectual property rights; (f) constitutes unsolicited bulk e-mail, “junk mail,” “spam” or chain letters; or (g) violates any applicable laws or regulations.
Forums shall be used in a noncommercial manner only. You shall not upload, email, post, publish, distribute or otherwise transmit any Content containing a solicitation of funds, promotion, advertising, solicitation for goods or services, or other commercial matter. You agree not to solicit other users of the Site to use or join or become members of any commercial online or offline service or other organization. Except where expressly authorized by The Life and Health Experts, you agree not to collect or store personal data about other users.
By uploading, emailing, posting, publishing or otherwise transmitting Content to any Forum or submitting any Content to The Life and Health Experts, you automatically grant (or warrant that the owner of such rights has expressly granted) The Life and Health Experts a worldwide, perpetual, royalty-free, irrevocable, nonexclusive, fully sublicensable right and license to use, reproduce, modify, adapt, publish, transmit and distribute such Content in any form, medium, or technology now known or later developed. In addition, you warrant that all so-called moral rights in the Content have been waived.
The Life and Health Experts has no obligation to monitor Forums or participate in Forums. However, The LIfe and Health Experts reserves the right to review Forum Content and remove any Content at its sole discretion.
3. Passwords and Security
Access to and use of password protected or secure areas of the Site is restricted to authorized users only. You may not share your username(s), account information, or access to the Site. You are responsible for maintaining the confidentiality of password(s) and account information, and you are responsible for all activities that occur under your password(s) or account(s) or as a result of your access to the Site. You agree to notify The Life and Health Experts immediately of any unauthorized use of your password(s) or account(s).
4. No Unlawful or Prohibited Use
5. Termination of Use
You agree that The Life and Health Experts may, in its sole discretion, at any time terminate your access to the Site and any account(s) you may have in connection with the Site. Access to the Site and activity on the Site may be monitored by The Life and Health Experts.
6. Third Party Web Sites, Content, Products and Services
The Site provides links to Web sites and access to Content from third parties, including users, advertisers, affiliates and sponsors of the Site. You agree that The Life and Health Experts is not responsible for the availability of, and Content provided on, third party Web sites. You should refer to the policies posted by other Web sites regarding privacy and other topics before you use them. You agree that The Life and Health Experts is not responsible for third party Content accessible through the Site, including opinions, advice, statements and advertisements, and understand that you bear all risks associated with the use of such Content. If you choose to purchase any products or services from a third party, your relationship is directly with the third party. You agree that The Life and Health Experts is not responsible for: (a) the quality of third party products or services; and (b) fulfilling any of the terms of your agreement with the seller, including delivery of products or services and warranty obligations related to purchased products or services. You agree that The Life and Health Experts is not responsible for any loss or damage of any sort you may incur from dealing with any third party.
EXCEPT WHERE EXPRESSLY PROVIDED OTHERWISE, THE SITE, AND ALL CONTENT, DOCUMENTS, MATERIALS, INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED ON THE SITE, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. NCPC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. NCPC MAKES NO WARRANTY THAT: (A) THE SITE WILL MEET YOUR REQUIREMENTS; (B) THE SITE WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE OR ANY CONTENT, DOCUMENTS, MATERIALS, INFORMATION, SOFTWARE, PRODUCTS OR SERVICES OFFERED THROUGH THE SITE WILL BE ACCURATE OR RELIABLE; OR (D) THE QUALITY OF ANY CONTENT, DOCUMENTS, MATERIALS, INFORMATION, SOFTWARE, PRODUCTS OR SERVICES PURCHASED OR OBTAINED BY YOU THROUGH THE SITE WILL MEET YOUR EXPECTATIONS.
ANY CONTENT, DOCUMENTS, MATERIALS, INFORMATION, SOFTWARE, PRODUCTS OR SERVICES DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK. NCPC SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF CONTENT, DOCUMENTS, MATERIALS, INFORMATION, SOFTWARE, PRODUCTS OR SERVICES.
The Life and Health Experts RESERVES THE RIGHT TO MAKE CHANGES OR UPDATES TO THE SITE AT ANY TIME WITHOUT NOTICE.
8. Limitation of Liability
IN NO EVENT SHALL The Life and Health Experts BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU OR ANY THIRD PARTY, WHETHER IN AN ACTION IN CONTRACT OR TORT, ARISING FROM YOUR ACCESS TO, OR USE OF, THE SITE OR ANY CONTENT, DOCUMENTS, MATERIALS, INFORMATION, SOFTWARE, PRODUCTS OR SERVICES DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE.
9. Exclusions and Limitations
11. Note About Children
Minors are not eligible to use the Site, and we ask that they do not submit any personal information to us.
12. Applicable Laws
All matters relating to your access to, and use of, the Site shall be governed by U.S. federal law or the laws of the State of Utah. Any legal action or proceeding relating to your access to, or use of, the Site shall be instituted in a state or federal court. You and The Life and Health Experts agree to submit to the jurisdiction of, and agree that venue is proper in, Utah courts in any such legal action or proceeding.
13. About Individuals on this Site who Assist Veterans
Some individuals listed on this site help veterans understand long term care benefits available through VA. This can include information on veterans health care, state veterans homes and veterans disability income benefits. These individuals place particular emphasis on Pension and Death Pension because these benefits are typically more useful for persons over 65 years of age. Pension is also known as “the aid and attendance benefit.
These individuals provide information about the aid and attendance benefit including what it is, who can qualify and what information and documentation are necessary in order to file a claim. They do no participate in any way in the application process unless that accredited by VA. For all other individuals listed on this page, veteran households seeking help with filing a claim are directed to an appropriate veterans service organization or to a state or county veteran service representative or, where appropriate, they are encouraged to file a claim on their own.
The individuals listed on this site are private practitioners or in some cases representatives of veterans service organizations and are not connected with the Department of Veterans Affairs. These individuals may not charge a fee for the preparation, presentation, or prosecution of a claim. Only those who are accredited attorneys or accredited representatives are involved in the processing of a claim.
14. Members of The Life and Health Experts
Members of the Life and Health Experts are not considered agents or legal representatives of The Life and Health Experts. Members shall not enter into any agreement, make any promises, make any warranty or make any representation on behalf of the The Life and Health Experts.
15. Copyright/Trademark Information
Copyright © 2017, The Life and Health Experts. All rights reserved.
16. Contact Information