How UL Compares

Feature	Term Life	Whole Life	Universal Life This Page
Coverage Length	10–30 years	Lifetime	Lifetime (flexible)
Premiums	Lowest	Fixed, higher	Adjustable
Cash Value	None	Guaranteed growth	Interest credited (varies by design)
Best For	Income protection	Legacy & guarantees	Adaptable needs & flexibility

Terms & Conditions

Introduction

Welcome to Bright Horizon Financials. By accessing our website or using our services, you agree to the following Terms & Conditions. Please read them carefully.

Use of Our Website

You agree to use our site only for lawful purposes.
You will not attempt to harm, hack, or misuse the website in any way.

Services

All quotes, consultations, and policy information provided are based on the details you share with us.
Coverage, eligibility, and pricing depend on the insurance provider’s terms and underwriting guidelines

No Guarantees

We make every effort to provide accurate information, but we do not guarantee that all website content is error-free or complete. Policies are subject to final approval by insurance carriers.

Limitation of Liability

Bright Horizon Financials is not responsible for any damages resulting from:

Use or inability to use our website,
Reliance on information provided here,
Third-party links or services we may reference.

Changes to Terms

We may update these Terms & Conditions at any time. Updates will be posted on this page with the revised date. Continued use of our website means you accept those changes.