Insurance disclosures
Important information about insurance products and guidance.
These disclosures explain the limits of website content, insurance guarantees, product availability and the role of a licensed insurance professional.
Educational information
Site content is general educational information and is not individualized insurance, investment, tax, accounting, or legal advice. Consult appropriately licensed professionals for advice about your circumstances.
Insurance products
Product availability, features, rates, underwriting, and eligibility vary by insurer and state. No website estimate is a binder, offer, or contract. Coverage becomes effective only as stated by the issuing insurer.
Annuities
Annuities are long-term insurance contracts. Withdrawals may be subject to surrender charges, market value adjustments, and tax consequences. Annuities are not bank deposits and are not FDIC- or NCUA-insured. Guarantees depend on the claims-paying ability of the issuing insurer.
Life insurance values
Loans and withdrawals from permanent life insurance may reduce cash value and death benefit, cause a policy to lapse, and have tax consequences. Illustrated values may include non-guaranteed assumptions.
Licensing, appointments and compensation
Insurance products may be discussed or offered only where the responsible producer is appropriately licensed and appointed. Product availability varies by state and insurer. Intracoastal may receive compensation from the issuing insurer when a policy or contract is placed. Ask for details about the licensing, carrier relationship and compensation relevant to any option under consideration.
No securities or professional advice
Unless separately stated with the applicable registrations and disclosures, website content should not be understood as securities, investment-advisory, tax, accounting or legal advice. Variable insurance products and securities require different licensing and disclosures.
Accuracy and changes
Insurance rules, product availability and contract terms can change. The issuing insurer’s contract and approved materials control if website content differs from them.