Terms of use

Using the content

The pages explain the subjects covered by this website and provide practical questions for further discussion. References link to their publishers’ own material so you can inspect the original context. Those publishers may update their pages over time.

Using the planning tools

A brief is created from your own notes. Creating or printing it does not send a message, submit an application or reserve an appointment. Keep a copy only if you want one, and use the questions in a conversation with the person or organization you choose.

Sources and rights

The website’s text, illustrations and visual identity are provided for presentation on these pages. Attributed quotations retain their source identity. Names and material on external websites remain the responsibility of their respective owners.

Checking the details

Insurance decisions depend on the exact policy and current documents. Keep the relevant contract, benefit schedule and written answers with your comparison. The planning tools organize questions; the policy issuer determines the terms of any insurance offered.