Terms of Use

Draft for review — not published

Website information

SethManning.com provides general information about life insurance and a way to request contact from Seth Manning, an independent life insurance agent affiliated with Experior Financial Group.

Website information does not replace an insurer’s policy, application, disclosures, or illustrations. If website information differs from a policy, the policy’s terms govern the insurance coverage.

Insurance inquiries and coverage

Submitting a contact form requests a conversation. It does not submit an insurance application, bind coverage, guarantee eligibility, or establish a policy. Insurance services are offered only where Seth is appropriately licensed and authorized. Products, benefits, premiums, underwriting, exclusions, and availability vary by insurer and state.

Illustrations and policy features

Only guarantees stated in the insurance contract apply, subject to the issuing insurer’s claims-paying ability. Non-guaranteed illustrations are not promises of future results. IUL cash values and benefits depend on policy terms, costs, funding, crediting, and other factors. Loans and withdrawals may reduce values and benefits, increase lapse risk, and have tax consequences.

No individualized tax or legal advice

General website content does not provide individualized tax or legal advice. Consult an appropriately qualified professional about your circumstances.

Contact forms

Provide accurate contact details and general coverage preferences. Do not submit Social Security numbers, medical records, payment information, or financial account numbers through this inquiry form. Seth will use the information to respond and follow up. The Privacy Policy explains information handling.

External resources

Links to external websites are provided for convenience. Their operators control their content and services. Review their policies and disclosures when using those services.

Website use

Do not use this website to submit spam, impersonate another person, distribute malicious software, interfere with website operation, or access information without authorization.

Updates and questions

Website content and these terms may be updated as services or practices change. Questions may be sent to [email protected].