Disclosures

Insurance Company Information

All insurance policies are issued by carriers rated "A" (Excellent) or better by A.M. Best. Policy guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

Financial Disclosures

• Past performance does not guarantee future results
• Cash value accumulation is subject to guaranteed minimum interest rates
• Death benefits are generally income tax-free to beneficiaries
• Withdrawals and loans may reduce the death benefit and cash value
• Surrender charges may apply to early withdrawals

Regulatory Information

We are licensed to sell insurance in the following states:

• All agents are properly licensed in their respective states
• We comply with all state and federal insurance regulations
• Our practices adhere to NAIC guidelines
• We maintain all required state appointments

Policy Limitations

• Coverage is subject to underwriting approval
• Certain health conditions may affect eligibility
• Age restrictions apply (18-75 years)
• Only available to U.S. residents
• Policy terms subject to state variations

No Surrender Charges Disclosure

While our policies feature no surrender charges, withdrawals may still impact:

• Total death benefit amount
• Policy cash value
• Tax treatment of the policy
• Future premium requirements

Tax Information

Neither our company nor our agents provide tax or legal advice. Please consult with qualified professionals regarding the tax implications of any insurance transaction.

Contact for Additional Information

For detailed information about these disclosures, please contact us at: estatechecklist@gmail.com