Welcome to Level Funded University (LFU). By accessing any part of this program, platform, materials, or tools, you agree to the following Terms & Conditions.

These terms are designed to ensure clarity, compliance, and a high-quality educational experience.

1. Educational Purpose Only

Level Funded University provides education only. LFU does not provide:

• Legal advice
• Financial advice
• Actuarial advice
• Underwriting direction
• Carrier guidance
• CE credits
• State licensing
• Carrier appointments

All case studies, calculators, examples, and strategies are illustrative only and do not guarantee any particular result.

ATA is not liable for any decisions made using LFU content.

2. Licensing & Compliance Requirements

You must hold the appropriate state insurance license(s) to:

• Sell or quote level-funded or self-funded plans
• Recommend plan designs
• Advise employers on benefits
• Provide compliance guidance

LFU does not replace CE requirements, licensing education, or carrier certification.

You are solely responsible for complying with all state and federal regulations.

3. Access Duration

Enrollment includes two (2) years of access to:

• All LFU modules
• Updated or newly added modules
• Weekly group Q&A calls (recorded and posted)
• Worksheets, templates, calculators, and leave-behinds (subject to Section 7)

4. Group Q&A Calls

LFU offers weekly group Q&A calls, which:

• Are recorded
• Are not 1-on-1 consulting
• May cover general case examples
• Do not guarantee underwriting approval, savings, or plan outcomes

By participating, you consent to recording and internal distribution to LFU members.

5. Calculators & Tools Disclaimer

LFU calculators—including:

• Great Life Calculator
• Forfeited Funds Calculator
• True Cost Calculator

…are for educational and illustrative use only.

ATA does not guarantee:

• Income projections
• Surplus results
• Claims performance
• Cost savings
• Underwriting approval
• Renewal outcomes

Brokers may show outputs to clients, but ATA is not responsible for advice or conclusions drawn using these tools.

Calculators may be updated or modified at any time.

6. Intellectual Property & Permitted Use

All LFU materials are the property of American Trust Administrators.

You may not:

• Share login access
• Redistribute course materials
• Resell calculators or documents
• Publish LFU content elsewhere
• Use ATA or LFU branding without written permission

Violations may result in removal from LFU without refund.

7. Leave-Behinds & Document Access

Client-facing leave-behinds become available to be used after:

• Completing 80% of core modules
• Completing associated quizzes with a passing score

These materials are for client education only and may not be rebranded or publicly distributed.

8. 60-Day Proof-of-Work Completion Guarantee

We offer a full refund within 60 days if you:

• Complete at least 80% of core LFU modules
• Complete all required worksheets
• Use the calculators
• Complete quizzes

To request a refund:

Email [email protected] within 60 days of enrollment with documentation of the above.

Requests are manually reviewed; partial refunds are not offered.

9. Tracking & Progress Verification

By using LFU, you consent to ATA tracking:

• Module completion
• Quiz scores
• Calculator usage
• Attendance on group calls (if applicable)
• Viewing of the compliance orientation video

These records may be used to verify refund eligibility and ensure program integrity.

10. LFU Certification

Graduates may receive an LFU Certification upon completion.

This certification:

• Is not issued by any state or federal agency
• Does not authorize insurance sales without licensing
• Is a private ATA educational designation

ATA trademarks and branding may not be used without written permission.

11. Code of Conduct

You agree to maintain professionalism, including:

• Respectful communication
• No harassment or abusive behavior
• No sharing private client or broker information
• No disruptive behavior in calls or comments

ATA may revoke access without refund for conduct violations.

12. Limitation of Liability

ATA’s maximum liability is limited to the amount paid for LFU enrollment.

ATA is not responsible for:

• Lost income, lost commissions, or lost clients
• Business decisions made using LFU tools
• Claims outcomes or underwriting results
• Technical issues, delays, or platform interruptions

All examples and outputs are for illustration only.

13. Mandatory Arbitration

All disputes arising from LFU participation shall be resolved through binding arbitration in the State of Kansas.

Participants waive the right to:

• Jury trial
• Class-action litigation
• Collective dispute resolution

14. Governing Law

These Terms & Conditions are governed by the laws of the State of Kansas.

15. Modifications to LFU

ATA may update or modify:

• Modules
• Calculators
• Leave-behinds
• Q&A call availability
• Certification requirements

Such modifications do not entitle members to refunds or extended access.

16. Acceptance of Terms

By accessing LFU, you acknowledge and agree to these Terms & Conditions and accept responsibility for licensing, compliance, and all decisions made using LFU content.

If you do not agree with these terms, do not use Level Funded University.