Terms of Use

Effective date: May 26, 2026

These terms apply to your use of this website, operated by Denise Schleuss in connection with my insurance practice in British Columbia. By using this website, you agree to these terms.

About This Website

This website is my personal business website. It provides information about insurance products available through American Income Life Insurance Company (AIL) in Canada, and it lets you book a consultation or contact me directly.

Independent Contractor Notice

I am an independent contractor for American Income Life Insurance Company (AIL), a wholly owned subsidiary of Globe Life Inc. I am not an employee of AIL or Globe Life Inc. and I do not speak on behalf of either company. The content of this website is my own and does not necessarily reflect the views, policies, or practices of AIL, Globe Life Inc., or their affiliates. This website is not an official AIL or Globe Life website.

My producer number is CTS01. My Insurance Council of British Columbia License Number is LIC-2026-0065091.

Not Legal, Financial, or Tax Advice

Information on this website is general in nature. It is not legal, financial, or tax advice. You should consult a qualified professional for advice specific to your situation. Comments I make about wills, estates, or the tax treatment of insurance benefits are intended as general education only.

Product Information

All product descriptions on this website are general descriptions of products available through AIL. Coverage availability, eligibility, premiums, riders, benefit amounts, and other policy features may vary by province, by individual, and by product version. Every policy is subject to its own terms, conditions, exclusions, and limitations, which will be set out in the policy document at the time of application or issue. Nothing on this website constitutes an offer to insure or a binding contract.

Tax treatment of insurance benefits is based on current Canada Revenue Agency rules and may change.

Booking and Communication

When you book a consultation, you agree to attend in good faith or to let me know in advance if you need to reschedule. There is no obligation to purchase anything as a result of any consultation. If you choose to apply for a policy, the application process is separate from this website and will be governed by AIL's terms.

External Links and Third-Party Services

This website links to and embeds third-party services such as Calendly and Zoom. I do not control those services and I am not responsible for their content or practices. When you use those services, you do so under their terms.

Intellectual Property

The content of this website, including the text, images, logos, and design, is owned by Denise Schleuss or licensed for use. You may share or print pages for your own personal, non-commercial reference. You may not copy, redistribute, or repurpose the content for commercial purposes without my written permission.

Limitation of Liability

I do my best to keep the information on this website accurate and up to date. I do not warrant that the information is complete, current, or free of errors. To the maximum extent permitted by law, I am not liable for any losses or damages arising from your use of this website or from your reliance on the information on it.

Governing Law

These terms are governed by the laws of British Columbia and the federal laws of Canada that apply in BC. Any dispute will be resolved in the courts of British Columbia.

Changes to These Terms

I may update these terms from time to time. The current version will always be on this page with the most recent effective date.