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Our Disclaimer

All the information provided within this website, including all materials offered, is provided “as is” with no warranty offered, either expressed or implied. Our firm, as well as any partners, subsidiaries or related companies disclaim any form of warranty, expressed or implied. This includes any warranty of merchantability or any warranty of fitness for a particular purpose.

While we strive to ensure any information provided is as accurate as possible, it is ultimately your responsibility to verify the accuracy, completeness and usefulness of that information. This also applies to any opinions or information provided, and to any services rendered.

The information contained within the pages of this website is made available with the firm understanding that no one involved is delivering any form of legal, actuarial or professional advice. It is also understood that they are not providing any type of opinion or specific guidance. We assume no liability in connection with your personal use of this information.

We highly recommend that you retain your own tax advisor or legal counsel for guidance on your individual situation. Our company will not be held liable for any form of damage occurring from the use of information accessed through our website, and neither will any subsidiary of our firm.

Information about Copyright

All images, text and other content found within this website are our exclusive property, unless otherwise noted. You may not copy, reproduce or repurpose any of this content in any way without express written permission. We provide permission for this document to be reprinted and displayed only for personal and/or internal use. All insurance company logos and other related content remain the property of those respective companies.

Protection of Data

No data transmitted to or from this website is required to be monitored by us. We do, however, retain the right to monitor such data as we see fit and to use that data when and where we deem applicable.

Audience Applicability

We do not make any claims about the applicability of any audience for this website. The information contained in our site is designed for some residents of the US, but not for all residents. Note that this information is not suitable for anyone living outside of the United States, and the information provided is strictly for use by those living within the US. We will not do business with any insurance company attempting to market products in a state where they are not licensed.

Limitations and Restrictions

Not all of the policies discussed within this website are available in all states. Exclusions and restrictions do apply, and all applications are subject to the eligibility requirements of specific life insurance companies. Changes in availability, premium rates, and other elements can be made by insurers with no prior noticed.


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