The ground rules for using this site.
Please read these terms before you use our website, calculator, or request forms.
Effective October 7, 2026
These terms apply to your use of this website, which is operated by Nine Life Group ("Nine Life Group," "we," "us"), an independent insurance agency based in Philadelphia, Pennsylvania. By using the website, you agree to these terms. If you do not agree, please do not use the website.
This website is for information
The content on this website is general information about life insurance. It is not an offer of insurance, a contract, or a recommendation for your specific situation. Any coverage is subject to an application, underwriting, and approval by the issuing insurance company. Products, features, and availability vary by state and by insurance company. Our agents only offer insurance in states where they hold a license.
The IUL calculator
The calculator shows a hypothetical, educational example. It is not a life insurance illustration, an offer, or a guarantee. Its results rest on simplified assumptions and on an assumed crediting rate that is not guaranteed. Actual policy values depend on the insurance company, the product, underwriting, fees, and index performance, and may be significantly lower. Ask a licensed agent for a personalized illustration before making any decision.
No tax, legal, or investment advice
Nothing on this website is tax, legal, or investment advice. Talk to a qualified professional about your own situation.
Requests you send us
When you submit a form, you confirm that you are at least 18 years old and that the information you provide is your own and is accurate. Submitting a form does not create an insurance policy and does not obligate you to buy anything.
Calls and text messages
When you give us your phone number and agree to the consent language on our forms, you agree that Nine Life Group and its licensed agents may call and text you about your request, appointments, and life insurance options, including by calls and texts that use automated technology. Consent is not a condition of purchase.
- Message frequency varies.
- Message and data rates may apply.
- Reply STOP to any text to stop receiving texts. Reply HELP for help, or email [email protected].
- Mobile carriers are not liable for delayed or undelivered messages.
Our Privacy Policy explains how we handle your information, including your mobile number.
Other websites and services
This website uses some services run by other companies, and it may link to other websites. We are not responsible for their content or practices.
Our content
The text, design, calculator, and other content on this website belong to Nine Life Group. You may use the website for your personal, non-commercial use. Please do not copy or republish it without our permission.
No warranties
We work to keep this website accurate and available, but it is provided "as is" and "as available," without warranties of any kind, to the fullest extent the law allows.
Limit of liability
To the fullest extent the law allows, Nine Life Group and its agents are not liable for indirect, incidental, or consequential damages arising from your use of this website or from decisions made based on its content.
Governing law
These terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law rules.
Changes to these terms
If we change these terms, we will post the updated version on this page and change the effective date above.
Contact us
Nine Life Group
Philadelphia, Pennsylvania
Email: [email protected]
Phone: (267) 939-9348