Access to and use of this site are subject to all applicable federal, state and local laws and regulations.


By using this site you are expressly stating that you have in no way been induced to purchase life insurance because of the charitable giving of Synthesis Life Insurance, Inc (SLI). You understand that by using SLI as your life insurance broker you are not receiving anything of value beyond what is promised to you in the contract between you and the carrier you purchase your policy from. You understand that if charitable donation is your primary motivation to work with SLI that a direct contribution to the charity of your choice would be a better alternative than purchasing life insurance to make a charitable donation as you as you will not receive any tax benefit for purchasing a policy through SLI. By using this site you recognize that while you appreciate the charitable inclination of SLI you have made the decision to purchase life insurance apart from said charitable inclination.

Legal Information Regarding Our Charitable Giving

The guaranteed commitment of SLI is that we will make a charitable contribution to a 501(c)-3 organization with revenue generated by agent (“street”) commissions and received from the life insurance carrier and which are generated by the purchase of insurance through SLI. This contribution of agent commissions will, at a minimum, be the maximum deductible amount allowed by the IRS for S-Corporations. SLI will strive to give in excess of this stated minimum. SLI will make these contributions at a minimum on an annual basis, with many gifts being allocated throughout the year. The contributions will be made to the charities listed on the “Giving” page of the SLI website, with a goal of distributing gifts evenly among the charities listed. SLI reserves the right to change the charities to which it gives at any time, and the charities will always be listed on the “Giving” page. By using this site, you understand that SLI is a for-profit entity which gives to charitable non-profit entities. Further, you understand that giving will be made to religiously-affiliated organizations, specifically Christian.

We should explain here in the spirit of complete transparency that we made the decision to file as an S-Corporation rather than a C-Corporation simply because filing this way allows the corporation to give more revenue away on a tax-deductible basis than does filing as a C-Corporation – and we are able to commit ourselves to a higher standard of giving publicly than if we filed as a C-Corporation. If you would like more information about this decision, please contact us. The financials of SLI will be reviewed annually by an independent CPA firm as stated on the website. Copies of a summary of this review will be readily available to anyone who asks.

Legal Information Regarding Our Capacity as Brokers / Agents

SLI does not underwrite any insurance policy described herein. The licensed insurance company underwriting the product is responsible for its own financial condition and contractual obligations.

We are licensed as life insurance agents. Our services are provided at no cost to you. When you purchase insurance through us, we receive compensation from the insurance company that issues the policy. This compensation may include commissions when a policy is purchased or renewed, and fees for marketing and administrative services and educational opportunities. The compensation may vary by insurer and the specific product and features purchased.

We may be entitled to receive bonuses and other incentives associated with sales or sales performance. The products we offer may vary based on factors such as face amount, customer age, health status and other considerations.

SLI makes no representation as to the financial or other suitability of any product described on this site for any user. In order to evaluate whether a particular product is suitable for your financial needs, you should contact your financial advisor.

The Site’s quote of insurance coverage may not necessarily be the lowest rate alternative(s) available or the best alternative(s) for your individual needs and we encourage you to shop with other brokers before purchasing through this Site.

Copyright and Trademarks

All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the “Marks”) displayed on this Site are the property of SLI. Users are prohibited from using any Mark for any purpose without the express written permission of SLI.

Products Not Available in All States

The products described on this Site may not be available in all states or other jurisdictions.

Policy Restrictions, Limitations and Terms

The products referenced on this Site have restrictions, limitations, and terms regarding coverage. For complete details concerning coverage, please be sure to read the policy thoroughly. As a general rule, the term insurance offered through this site is a contract in which the insurance carrier agrees to pay a death benefit to an insured’s beneficiaries so long as the owner pays the agreed upon premiums to the carrier. The contract will specify the face amount of coverage, the premium due, and the number of years the premium is to be locked in for. The contract of life insurance is not through SLI. SLI is the broker of insurance and its sole function is to bring a buyer of life insurance together with a carrier of insurance.

No Warranty

All information on this Site is provided to you “as is” without any warranty of any kind, either express or implied, as to the accuracy or completeness of the information. The quote engine this site uses is a software program designed and maintained by VitalTerm / eBix. It is the sole responsibility of VitalTerm / eBix to make sure that all functionality of the quote engine are up to date and accurate. SLI expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security and accuracy. Though SLI will make every reasonable effort to make sure information is accurate, information on this Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. SLI has no obligation to update information on this Site. It is possible that information may be out of date at any given time. SLI also may make improvements or changes in products described on this Site at any time without notice.

Linked Internet Sites

You may leave this Site and access other sites on the World Wide Web that SLI does not maintain. SLI is not responsible for the content available on any other site on the World Wide Web linked to this Site and disclaims any responsibility for such other sites. Access to any such other site linked to this Site is at the User’s own risk.

Use of Cookie Files

This site does not use “cookies.” A cookie is a small file that is stored on your hard drive and contains no personally identifiable information about you and your usage of our sites. A cookie cannot read data off your hard drive or read cookie files created from other sites.

Limitation of Liability

SLI specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damage arising out of or in any way connected with access to or use of this Site (even if SLI has been advised of the possibility of any such damage), including any liability associated with any virus that may infect a User’s computer equipment. Under no circumstance will SLI be liable for any loss or damage caused by a User’s reliance on information obtained through this Site. It is the responsibility of each User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through this Site.

No Representation as to Suitability

SLI makes no representation as to the financial or other suitability of any product described on this Site for any User. In order to evaluate whether a particular product is suitable for your financial needs, you should contact a competent financial advisor.

Changes to Rules and Regulations

SLI reserves the right to revise these Terms and Conditions at any time and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions.

Violations of Rules and Regulations

SLI reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.

Mandatory, Binding Arbitration

You agree that any claim or dispute between you and SLI or any officer, director or employee of SLI related to your use of this Site or any information herein, including the validity of this provision regarding Mandatory, Binding Arbitration, regardless of the amount or value of such claim or dispute, will be resolved by mandatory, binding arbitration administered by the National Arbitration Forum in accordance with its Code of Procedure then in effect, except that any arbitration will be conducted in, and any hearing will be held in, Atlanta, GA. Information may be obtained and claims may be filed at any office of the National Arbitration Forum (www.arb-forum.com) or at P.O. Box 50191, Minneapolis, MN 55405. This provision regarding Mandatory, Binding Arbitration will be governed by the Federal Arbitration Act.

Exclusivity of Work

The work of SLI and its agents, officers and staff is all performed as SLI exclusively, and is entirely independent of any affiliation with any other firm that an agent, officer or principal might have. SLI, and Patrick Johnson in his role with SLI, is not affiliated in any manner with SRS Capital Advisors.

Contact Information

If users have any questions or suggestions regarding our terms and conditions, please contact us: info@synthesislife.com.