Disclosures
Disclosures
These disclosures apply to the educational content throughout this website.
Educational Nature
All content is educational and general. It is not individualized legal, tax, investment, insurance, or financial advice.
Insurance-Product Variability
Insurance products, features, costs, and availability vary by carrier, contract, state, and individual circumstances.
Carrier and Contract Terms
Specific provisions, riders, and flexibility are defined by each carrier and contract. Review your own contract for exact terms.
Underwriting
Approval, cost, and insurability depend on underwriting, which varies by individual and carrier.
Guaranteed vs. Non-Guaranteed Values
Whole life policies include guaranteed values and non-guaranteed elements. Only contractual guarantees are promised.
Dividends Are Not Guaranteed
Dividends are not guaranteed and are declared at the insurer's discretion.
Policy Loans
Policy loans accrue interest, reduce the death benefit while outstanding, and, if unpaid, can reduce values or risk a lapse. A lapse or surrender with an outstanding loan may have tax consequences. This is not tax advice.
Annuity Guarantees
Annuity guarantees depend on the claims-paying ability of the issuing insurer and are not backed by the government. State guaranty associations provide limited protection that varies by state.
Options-Trading Risk
Options trading involves significant risk, is not part of Infinite Banking, and may not be appropriate for every person.
Passive-Income Examples
Personal passive-income examples are educational and are not guarantees. Results vary and involve risk and due diligence.
Testimonials
Testimonials represent individual experiences and do not guarantee that you will have a similar experience.
Third-Party Studies and Resources
References to third-party studies or resources do not imply endorsement, and those materials are produced by their respective owners.
Consult Professionals
Always consult qualified legal, tax, and investment professionals about your specific situation.