Insurance Provider List - Important Disclaimer

Last Updated: November 6, 2025

1. No Affiliation or Partnership

Tomorrow Biostasis GmbH ("Tomorrow.bio", "we", "us", or "our") explicitly states that we have NO business relationship, partnership, affiliation, sponsorship arrangement, or endorsement agreement with any insurance company, provider, or entity listed on this page or in any related documents.

The inclusion of any insurance company's name, logo, trademark, or website link does NOT imply:

• Any form of partnership, cooperation, or business relationship with Tomorrow.bio
• Any endorsement, recommendation, or approval by Tomorrow.bio
• That the insurance company has reviewed, approved, or has knowledge of this listing
• That the insurance company has any relationship with Tomorrow.bio's services
• That the insurance company specifically offers products designed for cryopreservation funding

2. Nature of the Information

The list of insurance providers is compiled solely from information reported to us by Tomorrow.bio members regarding which insurance companies they have independently used or approached to obtain life insurance policies. This information is:

• Provided purely for informational and educational purposes
• Based on anecdotal reports from individual members
• Not verified, validated, or guaranteed by Tomorrow.bio
• Subject to change without notice
• Not comprehensive and does not represent all available options

We compile this list as a convenience to our members to share experiences within our community. The presence or absence of any insurance company on this list should NOT be interpreted as a recommendation or warning.

3. No Financial, Legal, or Insurance Advice

Tomorrow.bio does NOT provide financial advice, insurance advice, or legal counsel. The information on this page:

• Is NOT intended to be, and should NOT be construed as, financial, insurance, legal, or professional advice
• Should NOT be relied upon as the sole basis for any insurance purchasing decision
• Does NOT constitute a solicitation or offer to purchase any insurance product
• May be incomplete, outdated, or inaccurate

You should always:

• Conduct your own independent research and due diligence
• Consult with qualified insurance brokers, financial advisors, and legal professionals
• Verify current insurance products, availability, terms, and conditions directly with insurance providers
• Ensure any insurance policy complies with applicable laws in your jurisdiction

4. Trademark and Intellectual Property Notice

All insurance company names, logos, trademarks, service marks, and trade names mentioned on this page are the property of their respective owners. The use of any trademark, trade name, or logo on this page is for identification and informational purposes only and does NOT imply any association with, endorsement by, or sponsorship from the trademark owner.

Tomorrow.bio makes no claim to ownership of any third-party trademarks, and all intellectual property rights remain with their respective owners.

5. Disclaimer of Warranties and Accuracy

Tomorrow.bio makes NO WARRANTIES, EXPRESS OR IMPLIED, regarding the accuracy, completeness, timeliness, reliability, or suitability of the information provided on this page. We specifically disclaim:

• Any warranty that the listed insurance companies currently offer suitable products
• Any warranty that the listed insurance companies will accept cryopreservation-related policies
• Any warranty regarding the financial stability or reputation of listed companies
• Any warranty that the information is current or has not changed since last update
• Any implied warranty of merchantability or fitness for a particular purpose

Insurance products, availability, terms, conditions, and company policies change frequently. Information that was accurate when reported by a member may no longer be current.

6. Limitation of Liability

To the maximum extent permitted by applicable law, Tomorrow Biostasis GmbH, its directors, officers, employees, agents, and affiliates shall NOT be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or reliance on the information provided on this page
• Any errors, omissions, or inaccuracies in the information
• Your interactions with any insurance company listed
• The denial, cancellation, or modification of any insurance policy
• The failure of any insurance company to honor a policy
• Any financial loss or damage resulting from insurance decisions

7. User Responsibility

By using this information, you acknowledge and agree that:

• You are solely responsible for evaluating and selecting appropriate insurance coverage
• You will conduct independent research and verification of all information
• You will obtain professional advice before making any insurance decisions
• Tomorrow.bio has no responsibility for your insurance arrangements
• You assume all risks associated with your use of this information

8. Independent Transactions

Any insurance policy you obtain is a direct transaction between you and the insurance provider. Tomorrow.bio:

• Is NOT a party to any insurance contract or agreement you may enter into
• Has NO involvement in policy underwriting, approval, pricing, or administration
• Cannot guarantee that any insurance company will issue a policy to you
• Cannot guarantee that any policy will remain in force or pay benefits
• Has NO authority to bind any insurance company to any terms or obligations

9. Geographic and Jurisdictional Limitations

Insurance regulations vary significantly by country, state, and jurisdiction. The listed insurance companies may:

• Not be available in your jurisdiction
• Be subject to different regulations in different locations
• Offer different products or terms in different markets
• Require specific licensing or qualifications that you may not meet

You are responsible for ensuring that any insurance arrangement complies with all applicable laws and regulations in your jurisdiction.

10. No Misrepresentation

Tomorrow.bio does NOT represent or warrant that:

• Any listed insurance company has knowledge of or approves of cryopreservation
• Any listed insurance company will issue policies for cryopreservation funding
• Listing on this page indicates any special relationship or preferential treatment
• We have contacted or received permission from listed insurance companies

The listing represents only that one or more Tomorrow.bio members have reported using or attempting to use that company for life insurance purposes.

11. Removal Requests

If you are a representative of an insurance company listed on this page and wish to have your company's name, trademark, or information removed, please contact us immediately at:

12. Changes and Updates

Tomorrow.bio reserves the right to add, remove, or modify any information on this page at any time without notice. We may update this disclaimer periodically. Your continued use of this information after any changes constitutes acceptance of those changes.

13. Governing Law

This disclaimer shall be governed by and construed in accordance with the laws of the Federal Republic of Germany. Any disputes arising from or relating to the use of this information shall be subject to the exclusive jurisdiction of the courts of Berlin, Germany.

14. Severability

If any provision of this disclaimer is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact Information

For questions about this disclaimer or the insurance provider list, please contact: