Legal Disclaimer for The  $100 Challenge

Terms and Conditions:

1. Eligibility: This $100 challenge ("Challenge") is open to individuals who are between 30 and 65 years of age and reside in a region where participation is legally permitted. Participants must have an existing life insurance policy that was issued after 2019 and has at least 20 years left in its level premium term period.
2. Challenge Details: The Challenge guarantees that Insurance4abetterworld.com("Organizer") will reduce the participant's life insurance premium by 50% or more in the first month of the new policy's issue. If the Organizer fails to achieve this reduction, the participant will receive $100.  The health of the applicant must be determined by insurance underwriters to be the same or better than at the time of policy issue. If a significant change in health has occurred since the policy was issued, the Challenge is void, though significant savings may still be possible.
3. Participation Requirements:

• Participants must provide accurate and complete information regarding their current life insurance policy, including premium amounts, coverage details, and any other relevant information requested by the Organizer.
• Participants must allow the Organizer to review their current policy and seek alternative quotes on their behalf.

1. Exclusions and Limitations:

• The Challenge is void if the participant has experienced a significant change in health that negatively impacts their insurability since the policy was issued.
• The $100 payment is not applicable if the participant does not comply with the information and documentation requirements.

1. Determination of Premium Reduction:

• The Organizer will use reasonable efforts to find a comparable policy that offers a 50% or greater reduction in premiums.
• The Organizer's decision on the premium reduction is final and binding.

1. Payment of $100:

• If the Organizer is unable to achieve the promised premium reduction, the participant will be notified in writing.
• The $100 payment will be issued within 30 days of such notification.
• The payment will be made via check or electronic transfer, as agreed upon by both parties.

1. No Guarantees Beyond the Challenge:

• Participation in the Challenge does not guarantee future premium rates, policy terms, or coverage from any life insurance provider.
• The Organizer is not responsible for any changes in premium rates, policy terms, or coverage that occur after the Challenge.

1. Indemnification:

• By participating in the Challenge, participants agree to indemnify and hold harmless the Organizer, its affiliates, and employees from any claims, damages, liabilities, and expenses arising out of or related to their participation in the Challenge.

1. Modification and Termination:

• The Organizer reserves the right to modify or terminate the Challenge at any time without prior notice.
• Any modifications or termination will not affect the rights of participants who have already submitted their information and documentation before such changes.

1. Governing Law:

• This Challenge and any disputes arising out of or related to it shall be governed by and construed in accordance with the laws of the jurisdiction in which the Organizer operates.

Contact Information: For any questions or clarifications regarding the Challenge, please contact us at [insert contact information].

This updated disclaimer reflects that the Challenge applies to all eligible policies, regardless of their age, provided they meet the other specified criteria.