DISCLAIMERS:
This is an advertisement for indexed universal life insurance a form of life insurance, or indexed annuities.

The producer who sent this is a licensed insurance producer, authorized to solicit and sell life insurance policies and annuity contracts issued by insurance companies.

The producer is compensated by insurance companies based on the sale of their products.

The producer may or may not be engaged in the business of providing financial, investment, retirement, tax or any other kind of advisory services. The information contained herein should not be construed as advice of any kind. You should consult a qualified financial, investment, tax, or legal advisor for advice regarding such matters.

All matters discussed in this advertisement are general in nature, are based upon various factual assumptions, and are not intended to guarantee future performance in any particular case. Actual outcomes and rates of return vary widely based upon numerous variables and factors. The suitable kind and amount of insurance must be determined for each person based on all of his or her individualized circumstances, financial situation and needs.

This advertisement is not intended as a formal illustration of any specific life insurance policy proposed to be issued on any specific life, including the guaranteed and non-guaranteed elements of any life insurance policy.

This advertisement is not intended as a comparison to the benefits, dividends, rates, or any other terms or conditions of any particular insurance policy or other product.

The terms and conditions of any particular life insurance or annuity product are subject to change by the issuing insurance company.