U.S. Financial Life has long been recognized for its integrity in dealing with customers. Not only have we developed procedures in order to adhere to the highest ethical standards, we are constantly evaluating our processes to assure that we deliver honest and dependable service and products to our customers.

USFL adheres to the AXA Financial Inc. Ethical Standards Guide, a guide to ethical practices in working with clients, suppliers, competitors, the public and each other. All employees, associates and agents of the subsidiaries of AXA Financial, Inc. who manufacture, distribute or service life insurance products are to observe and conduct themselves in accordance with the Insurance Marketplace Standards Association (IMSA) Principles and Code, in all matters affecting the sale of individually-sold life products.

To view the AXA Financial Inc. Ethical Standards Guide in PDF format, click here.

 

IMSA is a voluntary membership organization that promotes high ethical standards in the sale of individual life insurance products by its member companies. IMSA requires that its members follow a specific set of standards that promote sound market conduct practices guided by its Principles and Code of Ethical Market Conduct.

Each IMSA-member life insurance company pledges to:

1. Conduct business according to high standards of honesty and fairness and to render that service to its customers which, in the same circumstances, it would apply to or demand for itself.
2. Provide competent and customer focused sales and service.
3. Engage in active and fair competition.
4. Provide advertising and sales materials that are clear as to purpose, and honest and fair as to content.
5. Provide for fair and expeditious handling of customer complaints and disputes.
6. Maintain a system of supervision and review that is reasonably designed to achieve compliance with these principles of ethical market conduct.

To view IMSA: Ethics Do Matter,in PDF format, click here.