Full Disclosures
The following disclosures apply to all educational content, research, case studies, charts, and related material published by Your Reserve Fund Letter.
- This article is educational and is not individualized financial, legal, or tax advice.
- Results vary. Figures shown are illustrative and depend on individual circumstances, contract design, funding level, and market conditions.
- Life insurance requires individual underwriting. Eligibility, premiums, and issued benefits are determined by the issuing insurer based on health, age, and other factors.
- Contract guarantees depend on the claims-paying ability of the issuing insurer. Non-guaranteed values, including dividends, are not guaranteed and may change.
- Policy loans accrue interest. Outstanding loans reduce available cash value and the death benefit payable to beneficiaries. If a heavily loaned contract lapses or is surrendered, adverse tax consequences may occur.
- A contract classified as a modified endowment contract (MEC) may lose favorable tax treatment on loans and withdrawals. Proper funding design is essential to avoid MEC status.
- Tax outcomes depend on design, ongoing management, and current law, which may change. Review an insurer-approved illustration and consult qualified professionals before acting.
- This strategy is not a replacement for a diversified investment portfolio. It is one component of a broader financial architecture and is not appropriate for every situation.
For educational and informational purposes only. Wealthworx LLC does not provide tax, legal, accounting, investment, or financial advice.
This is a marketing website designed to educate consumers. It does not make product recommendations. Prospects who opt-in for more information may be referred to a state-licensed insurance agent or financial advisor who has paid a fee to receive the referral information. These independent agents/advisors are not employees of Wealthworx LLC and may recommend products over which Wealthworx LLC has no control.
All research, case studies, charts, and related content (“website content”) strictly refer to insurance and financial products offered by a state-licensed agent. This website content does not constitute an offer to buy, sell, or exchange securities and should not be the sole basis for financial decisions. Wealthworx LLC advertisements may reference indexed annuities, indexed universal life insurance, and other insurance-based strategies. Any guarantees mentioned are subject to the claims-paying ability of the underwriting insurance company.
Discussions in this advertisement are general in nature, based on various assumptions, and do not guarantee future performance. The appropriate type and amount of insurance depend on individual circumstances, financial situation, and needs. This advertisement is not a formal illustration of any specific life insurance policy or annuity. Terms and conditions of life insurance products are subject to change by the issuing insurer. Individuals should seek consultation with a qualified financial professional before making decisions about any recommended product.
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