DISCLAIMERS

Insurance products are underwritten by third-party carriers. Product availability, features, and benefits may vary by state and individual circumstances. Rates are based on age, health, and underwriting guidelines. Not all applicants will qualify. Please speak with a licensed agent for personalized recommendations.

 

 

 

 

Guarantees Disclaimer

 

 

“Guarantees are based on the claims-paying ability of the issuing insurance company and are not guaranteed by this agency.”

 

 

 

 

Indexed Products Disclaimer (for IULs)

 

 

“Indexed Universal Life (IUL) insurance policies are not direct investments in the stock market or any index. Interest credited to cash value is subject to caps, participation rates, and policy charges. Past performance of an index is not a guarantee of future results.”

 

 

 

 

Tax Disclaimer

 

 

“This information is not intended to provide tax, legal, or investment advice. Please consult with a qualified professional regarding your personal situation.”

 

 

 

 

Children’s Policies Disclaimer

 

 

“Policies issued on children must meet carrier age and underwriting requirements. Coverage, premiums, and benefits vary by company and product.”

 

 

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