Terms Of Use

Use Of This Website

By using this website or submitting a form, you agree to these Terms of Use and the Privacy Policy. If you do not agree, do not use the site or submit your information.

You agree to provide accurate information and to use the site only for lawful purposes. You may not interfere with the website, attempt unauthorized access, or submit fraudulent information.

Insurance And IUL Information

Merchant Mariner Plan provides general educational information and lead-generation services related to indexed universal life insurance, permanent life insurance, family protection, cash-value planning, and retirement planning for merchant mariners.

Nothing on this website is investment, tax, legal, or individualized financial advice. Product availability, premiums, policy features, riders, guarantees, and underwriting decisions vary by carrier, state, and applicant.

No Guarantee Of Coverage

Submitting information does not guarantee eligibility, approval, coverage, premium amount, cash-value performance, or any specific insurance outcome. Any policy is subject to application, underwriting, carrier approval, policy terms, and premium payment.

Consent To Contact

By submitting a form, you authorize Merchant Mariner Plan and its representatives or service providers to contact you by phone, SMS, and email about your request, even if your number is listed on a do-not-call registry.

Consent is not a condition of purchase. You may opt out of SMS by replying STOP and may request no further contact by emailing support@merchantmarinerplan.com.

Third-Party Services

This website may use third-party platforms for hosting, analytics, advertising measurement, CRM, email, SMS, payment, scheduling, and other operational services. Those providers may process information according to their own terms and privacy practices.

Merchant Mariner Plan is not part of Meta Platforms, Inc., Facebook, Instagram, or any insurance carrier website, and no third-party trademark use implies endorsement or sponsorship.

Website Content

Website content, branding, copy, images, layout, and related materials are owned by or licensed to Merchant Mariner Plan and may not be copied, republished, or used commercially without permission.

Limitation Of Liability

To the fullest extent permitted by law, Merchant Mariner Plan and its representatives are not liable for indirect, incidental, consequential, special, or punitive damages arising from your use of the site or reliance on general website information.

Changes To These Terms

Merchant Mariner Plan may update these Terms from time to time. Updated terms are effective when posted on this website unless a different effective date is stated.