Important Disclosures

Last Updated: October 22, 2025

Financial Disclosures

The information provided on this website is for educational purposes only and should not be considered financial, legal, or tax advice.

Insurance Product Information

Index Universal Life (IUL) insurance products are complex financial instruments. All insurance products discussed on this website are subject to terms, conditions, and limitations as outlined in the actual insurance policy.

Not Guaranteed Returns

Past performance is not indicative of future results. Index-linked interest credits are subject to caps, floors, and participation rates which can change over time.

Professional Advice

We strongly recommend consulting with a licensed insurance professional, financial advisor, and tax professional before making any insurance or financial decisions.

State Regulations

Insurance products and availability may vary by state. Not all products are available in all states.

Affiliate Relationships

This website may contain links to insurance companies, financial institutions, or other service providers with whom we may have affiliate relationships.

Licensing Information

All insurance recommendations are made by licensed insurance professionals. License information is available upon request.

Accuracy of Information

While we strive to provide accurate and up-to-date information, insurance products, rates, and regulations can change. Always verify information with official sources.

No Investment Advice

Nothing on this website should be construed as investment advice. IUL policies are insurance products, not investment securities.