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The content of this website is subject to copyrights, trademarks, and service marks owned or controlled by (i) the National Association of Insurance and Financial Advisors Service Corporation, which is the publisher of Advisor Today (and is hereafter referred to as Advisor Today) and which is a subsidiary corporation of the National Association of Insurance and Financial Advisors (NAIFA), or (ii) other entities or persons. No material from this website may be copied, reproduced, downloaded, transmitted, distributed, published, modified, or in any way exploited or made part of derivative works, in any form or by any means, without express prior written permission from the owner of the material. Personal, non-commercial, use of material from this website may be made to the limited extent that a single machine-readable copy and/or a single paper or digital copy is made of occasional articles of personal interest. In addition, visitors to this website may use the "E-mail to a Friend" function, where applicable, to pass on occasional articles of interest to another person. All other rights are reserved.

The Advisor Today and NAIFA names, trademarks, service marks and logos that appear on this website may not be used in any advertising or publicity, or otherwise used to suggest Advisor Today's or NAIFA's endorsement, sponsorship of, or affiliation with, any product, service, person or entity, without prior express written permission from Advisor Today or NAIFA. Other brand names, product names, trademarks and service marks appearing on this website are the property of their respective owners.

This website contains links to other Internet sites. Advisor Today and NAIFA have no control over, are not responsible for, and do not endorse or recommend such other sites, or the information, products, materials or services available at such other sites, unless such endorsement or recommendation is explicitly stated. In such cases, the endorsement or recommendation is strictly limited to the specific information, products, materials or services referred to and none other. Advisor Today may allow third party vendors to advertise on the Advisor Today website and to provide a link from the Advisor Today website to the vendor's website, whereby visitors to the Advisor Today website may be transferred to the vendor's website. As stated above, Advisor Today and NAIFA do not endorse or recommend any such vendor or its products or services unless such endorsement or recommendation is explicitly stated. Advisor Today and NAIFA have not assessed the accuracy of any advertisement or the quality of any advertised product or service, and disclaim all liability for any claims or damages that may result from the use of external websites linked to the Advisor Today website, from any transactions with Advisor Today's advertisers, or from the purchase or use of any advertised products or services.

Advisor Today is the official publication of NAIFA. The information and services on this website are provided as a benefit and service to NAIFA members. The information and services on this website do not constitute insurance, financial, investment, estate planning, tax, legal, compliance, accounting, or other professional services or advice by Advisor Today, by NAIFA, or by the authors of the website material. The facts and opinions in Advisor Today articles represent their authors' views and are not necessarily endorsed by Advisor Today or NAIFA, unless indicated. While Advisor Today tries to provide accurate reporting, Advisor Today and NAIFA do not guarantee the accuracy, completeness or timeliness of this website. This website may contain inaccuracies or typographical errors. Changes are periodically made to this website and may be made at any time. Advisor Today and NAIFA disclaim all liability for claims or damages that may result from errors on this website. Advisor Today will attempt to correct material errors brought to its attention through appropriate errata.

Advisor Today reminds its website visitors to ensure that the manner in which they sell insurance and other financial products, and the advertising and sales materials they use, comply with state, federal and NASD/SEC requirements, and the compliance rules of the insurance and other financial companies they represent. The generic nature of information on this website may conflict with specific, and frequently changing, state and federal laws and regulations and the rules of insurance and other financial services companies. If in doubt about compliance issues, check with your company. Click here http://www.nielsen-netratings.com/privacy/sitecensus.htm to learn more information about how we use a third party service to collect and use information on this Web site.

THIS WEBSITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. ADVISOR TODAY AND NAIFA DISCLAIM ALL LIABILITY FOR ANY CLAIMS OR DAMAGES THAT MAY RESULT FROM THE USE OR OPERATION OF THIS WEBSITE. ADVISOR TODAY AND NAIFA DO NOT WARRANT THAT THIS WEBSITE WILL OPERATE WITHOUT ERROR OR THAT THIS WEBSITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES. ADVISOR TODAY AND NAIFA ARE NOT RESPONSIBLE FOR ANY DAMAGES OR COSTS IF USE OF THIS WEBSITE RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA OR IF ANY OTHER CONSEQUENTIAL DAMAGES OR COSTS OCCUR AS A RESULT OF SUCH USAGE.

PRIVACY STATEMENT

Advisor Today and NAIFA attempt to protect the privacy of those who access the Advisor Today website.

Advisor Today and NAIFA may collect contact information from those visitors to the Advisor Today website who voluntarily provide such information. Advisor Today and NAIFA may use this information to contact website visitors concerning subscriptions to, or reprints from, Advisor Today magazine, NAIFA membership, or other information that may be of interest to insurance and financial advisors.

Advisor Today and NAIFA may share contact information from NAIFA's federation membership list with a few select companies to help raise non-dues revenue for NAIFA or to inform members of products or services that may be of interest to insurance and financial advisors. Please notify the NAIFA Member Services Department toll-free at 1-877-866-2432 if you do not want Advisor Today or NAIFA to make your contact information available to third parties for purposes other than association business.

NAIFA's conferences and state and local associations have their own membership list policies and members must contact those organizations individually concerning this subject. NAIFA can provide members with contact information for those organizations, but NAIFA does not control their use of membership information.

Advisor Today may also collect information from visitors to the Advisor Today website who participate in voluntary online surveys. Advisor Today uses survey information to help gauge the opinions and interests of insurance and financial advisors and to gather information about the insurance and financial services industry. Unless required by law, or as otherwise noted in a survey information request, Advisor Today does not disclose to third parties the identities of those who respond to surveys, but may disclose to the public the survey responses themselves, both individually and in the aggregate.

Advisor Today does not currently collect any individually identifying information from visitors to the Advisor Today website other than the volunteered contact and survey information described above. In the event that Advisor Today begins to collect additional information in the future from visitors to the Advisor Today website, this Privacy Statement will disclose that fact and will explain how such information is used.

Notwithstanding Advisor Today's efforts to protect the privacy of visitors to the Advisor Today website, transmission of sensitive or confidential information to the Advisor Today website should be guided by an understanding that electronic communications are not secure against interception.

Questions or comments about this Privacy Statement or the Advisor Today website may be sent to the attention of Ayo Mseka, Advisor Today's Editor-in-Chief or at Advisor Today, 2901 Telestar Court, Falls Church, VA 22042.

Copyright © 2008 National Association of Insurance and Financial Advisors Service Corporation. All rights reserved.



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