Terms of Use
Effective date: November 3, 2026. This version replaces our earlier Terms and Conditions.
These Terms of Use govern your use of taianfinancial.com and travelworldinsurance.com (the "Sites"), operated by TaiAn Financial LLC, an Indiana limited liability company, doing business as Travel World Insurance ("we," "us"). By using the Sites, you agree to these Terms. If you do not agree, please do not use the Sites. Using the Sites does not require you to accept optional cookies; see our Privacy Policy.
Who we are
TaiAn Financial LLC (National Producer Number 16447413) is a licensed insurance agency and an IMG Endorsed Independent Chinese Sales Center. License information is available upon request. We are not an insurance company. Coverage is underwritten by the insurance companies whose plans we offer, and those companies, not us, decide eligibility, issue policies, and pay claims.
Insurance information, quotes, and purchases
Information on the Sites, including plan descriptions and comparisons, is a general summary only. The actual policy documents control your coverage, benefits, exclusions, and limitations. Please read them carefully before you buy.
Quotes are estimates based on the information you provide and are not a guarantee of coverage or price. Coverage begins only when the insurance company accepts your application and issues a policy.
Some plans we offer may be issued by insurers that are not licensed (admitted) in your state, also known as surplus lines insurers. Coverage from these insurers is not protected by state insurance guaranty funds.
Most purchases are completed with the insurance company and are subject to its terms, including its cancellation and refund rules.
You are responsible for making sure the information you provide is accurate and complete and that any plan you choose meets your visa, school, or sponsor requirements.
Nothing on the Sites is legal, tax, immigration, or medical advice.
Payments on our Sites
For TaiAn group plans and renewals, you may pay on our Sites. By submitting a payment, you authorize us to charge the payment card you provide for the amount shown, and you confirm that you are authorized to use that card. Payments are processed by our payment processor; we do not store your full card number or security code. If the insurance company does not accept your application or a payment cannot be applied, we will refund the amount charged within 30 days. Cancellations and refunds after coverage is issued follow the insurance company's rules.
Partner and referral links
Some visitors reach the Sites through links from schools, organizations, or other agents we work with. Those links may record a referral code so the referring partner can be credited. Using a partner link does not change your price or coverage.
Using the Sites
You may use the Sites for your personal, lawful purposes. You agree not to misuse them, for example by submitting false information, interfering with their operation, attempting unauthorized access, or using automated tools to scrape their content.
Communications
By giving us your contact information, you agree that we may contact you by email, phone, text message, WeChat, or WhatsApp about your quote, application, policy, and renewals. We send text messages only about your quote, application, policy, and renewals, not for marketing; message and data rates may apply, and you can reply STOP at any time to stop them. Marketing emails are sent only where permitted, and you can unsubscribe at any time.
Intellectual property
The Sites' content, including text, graphics, logos, and the TaiAn Financial and Travel World Insurance names and marks, belongs to us or our licensors. You may not copy, republish, sell, or redistribute it without our written permission.
Third-party websites
The Sites link to websites we do not control, including insurance company enrollment pages. We are not responsible for their content, terms, or privacy practices.
Disclaimers and limitation of liability
The Sites are provided "as is." We try to keep them accurate and available, but we do not guarantee that they are complete, current, or error-free. To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of the Sites. Nothing in these Terms limits liability that cannot be limited under applicable law.
Privacy
Our Privacy Policy explains how we handle your personal information, your privacy choices, and your rights, and is part of these Terms.
General
These Terms are governed by the laws of the State of Indiana, without regard to its conflict-of-law rules. If we provide a translated version of these Terms or the Privacy Policy, the English version controls. We may update these Terms by posting a revised version on the Sites with a new effective date; continued use of the Sites after that means you accept the changes.
Contact us
Please send questions about these Terms to [email protected], through the contact form at taianfinancial.com/about-taian or travelworldinsurance.com/contact, or call 1-317-318-8259 (English) or 1-317-318-8258 (Chinese).