Disclaimer

The information on this website (the "Site") is provided for general informational and educational purposes only. In this Disclaimer, "we," "us," and "our" refer to Remain Life Insurance Services, LLC and the Site at lifeinsuranceadvisor.co. Please read this Disclaimer carefully before relying on any content, calculator, or tool found here.

1. Not Professional Advice

Nothing on this Site constitutes financial, investment, legal, tax, accounting, or actuarial advice, and it should not be relied upon as a substitute for personalized advice from a qualified professional who is familiar with your specific situation. Life insurance, estate, and retirement decisions carry significant and lasting consequences. Before acting on anything you read here, consult a licensed insurance professional and, where appropriate, your own attorney, accountant, or tax advisor.

2. No Relationship Created

Your use of the Site, including submitting a form, using a calculator, or requesting information, does not by itself create an advisor-client, fiduciary, agency, or other professional relationship between you and us. Such a relationship is formed only through a separate, mutual written or express engagement.

3. Calculators and Tools Are for Informational Purposes Only

Any calculators, estimators, illustrations, projections, or interactive tools offered on the Site are provided for informational and educational purposes only. They are intended to help you explore general concepts, not to provide a quote, a recommendation, or a guarantee.

• Results are hypothetical estimates based on the assumptions and the information you enter, which may be incomplete or inaccurate.
• Outputs are not guarantees of future results, eligibility, pricing, performance, cash value, income, or coverage, and they do not reflect every variable that affects an actual policy.
• A calculator result is not an offer, application, binder, or contract, and it does not bind any insurance company or our firm.
• Actual products are subject to underwriting, carrier approval, suitability review, current rates, and the full terms of the issued policy, which control in all cases.

You should not make any financial or insurance decision based solely on a calculator or tool. Always confirm figures with a current, carrier-issued illustration and the actual policy documents.

4. Insurance Products, Offers, and Licensing

Information on the Site is not a solicitation, offer, or recommendation to buy or sell any insurance product in any jurisdiction where we are not properly licensed. We are licensed to transact insurance business in California, Florida, and New York. Availability of products, features, riders, and pricing varies by state, carrier, and individual circumstances, and is subject to change without notice.

All insurance products are subject to underwriting and approval by the issuing insurance company. Any guarantees associated with a policy are backed solely by the claims-paying ability and financial strength of the issuing carrier, not by Remain Life Insurance Services, LLC or this Site.

5. Accuracy and Completeness

We make reasonable efforts to keep the Site accurate and current, but we make no representations or warranties of any kind regarding the accuracy, completeness, reliability, or timeliness of any content. Rates, products, laws, and other information change frequently, and content may become outdated. We are not obligated to update any information after it is published.

6. Forward-Looking Statements and Illustrations

Any projections, illustrations, or forward-looking statements reflect assumptions that may not occur. Non-guaranteed elements — such as interest crediting, dividends, and certain charges — can change over time and are not promises of future outcomes.

7. Testimonials and Examples

Any testimonials, case studies, or examples reflect individual experiences and are not a guarantee that you will achieve similar results. Examples are illustrative only and may be simplified.

8. Third-Party Content and Links

The Site may reference or link to third-party content, products, or websites that we do not control or endorse. We are not responsible for the accuracy, availability, or practices of any third party.

9. Limitation of Liability

To the fullest extent permitted by law, we disclaim all liability for any loss or damage arising from your use of, or reliance on, any content, calculator, or tool on the Site. Your use of the Site is at your own risk. Additional terms governing liability are set out in our Terms of Use.

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