Disclosures

Secured Financial provides insurance-based financial planning and education. Information on this website is for educational purposes only and should not be considered tax, legal, investment, or individualized financial advice.

Product availability, features, guarantees, and suitability vary by carrier, state, underwriting, funding, and client circumstances.

Guarantees associated with insurance and annuity products are backed by the claims-paying ability of the issuing insurance company.

Life insurance and annuity strategies may involve fees, charges, surrender periods, policy expenses, underwriting, tax considerations, liquidity limitations, and other factors that should be reviewed carefully before implementation.

Indexed universal life insurance is life insurance. Cash value accumulation, policy loans, index crediting, cap rates, participation rates, charges, and policy performance depend on product design and ongoing policy management.

Annuities may involve surrender charges, tax considerations, liquidity limitations, rider costs, and other restrictions. Annuity guarantees are backed by the claims-paying ability of the issuing insurance company.

Secured Financial does not provide tax or legal advice. Clients should consult qualified tax and legal professionals regarding tax treatment, estate planning, business structure, trusts, charitable strategies, and legal documents.

Long-term care insurance products vary by carrier, benefit structure, elimination period, benefit period, inflation protection, and underwriting requirements. Benefits are subject to policy terms and conditions.

Insurance products discussed on this website are not available in all states and may not be available to all individuals. Eligibility depends on health, age, and underwriting criteria.

Information provided on this website reflects general educational concepts and may not apply to every individual situation. Clients should work with qualified professionals to evaluate suitability for their specific circumstances.

Secured Financial may receive compensation from insurance carriers for products placed through its firm. This does not affect the educational nature of information provided on this website.