Terms of Service
Effective 2026
1. Acceptance of Terms
By accessing or using the Residently Speaking website at residentlyspeaking.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.
2. Description of Services
The Site provides general information about disability income insurance options available to medical residents and fellows. The Site includes educational content, coverage comparisons, interactive planning tools, and a contact form to request a consultation.
The Site is designed to provide general awareness and is not a substitute for personalized financial, insurance, or legal advice. Any coverage illustrations, premium estimates, income projections, or scenario models presented on the Site are for informational purposes only and do not constitute an offer, solicitation, or guarantee of coverage.
3. No Insurance or Financial Advice
The content on this Site does not constitute insurance advice, financial advice, investment advice, tax advice, or legal advice.
All information is provided for general educational and informational purposes. Coverage options, premium amounts, benefit levels, and policy features vary based on individual circumstances including age, health, occupation, state of residence, and other factors.
Specific policy details, terms, conditions, limitations, and exclusions are governed by the applicable insurance policy documents issued by the carrier. In the event of a conflict between information presented on this Site and the terms of an issued policy, the policy language controls.
You should consult directly with a licensed insurance professional before making any insurance purchase decisions.
4. Interactive Tools and Scenario Models
The Site may include interactive tools that present income loss scenarios, coverage comparisons, or financial projections. These tools use general assumptions and illustrative data. The results they generate are estimates only and should not be relied upon as precise financial projections.
Income loss scenario data presented on the Site is provided by OneProtection and is used with permission. Residently Speaking does not independently verify the assumptions or calculations underlying these models. The data is presented for illustrative purposes to help users understand the potential financial impact of a disability.
5. Carrier Relationships and Disclosures
Residently Speaking works with the following insurance carriers:
- Ameritas Life Insurance Corp.
Insurance products referenced on this Site are issued by this carrier. Residently Speaking acts as an authorized representative of this carrier. Product availability varies by state.
6. Testimonials
The Site may feature testimonials from current or former clients. These testimonials reflect the individual experiences of those clients and may not be representative of the experience of all clients. Testimonials do not constitute a guarantee or prediction of future results. Clients providing testimonials have not been compensated for their statements.
Disability insurance has limitations and exclusions. For costs and complete details of coverage, contact a Residently Speaking representative.
7. Intellectual Property
All content on this Site - including text, graphics, logos, design elements, interactive tools, and software - is the property of Residently Speaking or their respective licensors, and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without prior written consent.
8. User Submissions
By submitting information through the Site's contact form, you represent that the information you provide is accurate and that you consent to being contacted by Residently Speaking or its representatives regarding disability income insurance and related services.
You agree not to submit any false, misleading, or fraudulent information through the Site.
9. Limitation of Liability
To the maximum extent permitted by applicable law, Residently Speaking and their respective officers, employees, agents, and representatives shall not be liable for any indirect, incidental, consequential, special, or exemplary damages arising from or related to your use of the Site, including but not limited to:
- Reliance on information or tools presented on the Site
- Errors, inaccuracies, or omissions in Site content
- Interruptions or delays in Site availability
- Unauthorized access to or alteration of your information
The information on this Site is provided "as is" and "as available" without warranties of any kind, express or implied.
10. Indemnification
You agree to indemnify and hold harmless Residently Speaking and their respective affiliates, officers, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Site or violation of these Terms.
11. Third-Party Links
The Site may contain links to websites operated by third parties, including carrier websites, educational resources, and partner organizations. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content or practices of any third-party websites.
12. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Site shall be resolved in the state or federal courts located in Franklin County, Ohio.
13. Modifications
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site with a revised effective date. Your continued use of the Site after changes are posted constitutes your acceptance of the modified Terms.
14. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
15. Contact Information
If you have questions about these Terms of Service, please contact us at:
© 2026 Residently Speaking