Disclosures

Educational purpose

HACI provides general financial education and access to appropriately licensed professionals where applicable. Website content is not an offer, recommendation, or individualized investment, legal, tax, or accounting advice.

Availability and underwriting

Insurance products, riders, features, and strategies vary by state and issuing company. Coverage is subject to eligibility, underwriting approval, contract terms, exclusions, and applicable state licensing. Submitting an inquiry or scheduling a consultation does not create coverage.

Policy guarantees and cash value

Guarantees are subject to the claims-paying ability of the issuing insurance company. Non-guaranteed values may change. Policy loans and withdrawals may reduce cash value and death benefits, create tax consequences, or cause a policy to lapse.

Indexed universal life insurance

Indexed universal life insurance does not invest directly in a stock-market index. Interest-crediting methods may include caps, participation rates, spreads, and floors that can change subject to contract terms. Policies include insurance costs and other charges and may lapse if they are not adequately funded.

Annuities

Annuities are long-term insurance contracts. They may include surrender charges, withdrawal restrictions, market-value adjustments, and tax penalties for certain early distributions. Product guarantees depend on the issuing insurer.

Review official materials

Before purchasing a product, review the official illustration, buyer’s guide, contract, fees, risks, and available alternatives with an appropriately licensed professional. Consult your own legal or tax adviser for guidance about your circumstances.