1. GENERAL INSURANCE DISCLOSURE

PolicyAdvisor.io (PolicyAdvisor LLC) is an independent insurance platform and not an insurance carrier.We do not underwrite, issue, or guarantee any insurance policy. Policies are provided by licensed third-party insurance carriers. Insurance availability, terms, rates, and conditions vary by state, insurer, and applicant qualifications.All quotes provided are estimates only and are subject to underwriting approval.

2. LICENSING & REGULATORY COMPLIANCE

Insurance products offered through PolicyAdvisor.io (PolicyAdvisor LLC) are provided by licensed insurance professionals.Licensing details can be provided upon request and may be verified through state insurance regulatory authorities. PolicyAdvisor.io (PolicyAdvisor LLC) complies with all applicable state and federal regulations related to insurance advertising, sales, and consumer protection.

3. NO GUARANTEE OF COVERAGE OR APPROVAL

Submitting an inquiry on PolicyAdvisor.io (PolicyAdvisor LLC) does not guarantee coverage or policy approval.Approval for any life insurance policy is subject to underwriting guidelines, health assessments, financial reviews, and carrier-specific requirements.Rates and benefits may change based on age, health conditions, lifestyle, and other risk factors.

4. ADVERTISING & MARKETING DISCLOSURE

By providing your information on PolicyAdvisor.io (PolicyAdvisor LLC), you consent to receive communications via phone, text, and email from licensed insurance agents.Communications may include insurance quotes, policy updates, and promotional offers related to life insurance.Standard TCPA (Telephone Consumer Protection Act) compliance applies.Opt-Out Option: If you do not wish to receive further communications, you may reply STOP to any text message or email [Insert Email] to be removed from our contact list.

5. TAX, FINANCIAL & INVESTMENT DISCLOSURE

PolicyAdvisor.io (PolicyAdvisor LLC) and its representatives do not provide legal, tax, or financial advice.Clients should consult with a licensed financial advisor, CPA, or attorney for tax and estate planning matters. PolicyAdvisor.io (PolicyAdvisor LLC) does not guarantee investment returns on any insurance product, including Indexed Universal Life (IUL) policies.

6. TERM LIFE INSURANCE DISCLOSURE

Term life insurance provides temporary coverage for a specified period (e.g., 10, 20, or 30 years).Policies do not accumulate cash value and typically expire if the insured outlives the term.Renewability and conversion options depend on carrier-specific terms and conditions.Rates for term life insurance are subject to change based on underwriting approval.

7. INDEXED UNIVERSAL LIFE (IUL) DISCLOSURE

Indexed Universal Life (IUL) policies are not investment products and do not participate directly in stock market gains or losses.Interest crediting is based on the performance of external market indices (e.g., S&P 500) but includes a floor to protect against negative returns.Policyholders may be subject to fees, charges, and cost of insurance deductions that impact cash value accumulation. Loans and withdrawals from IUL policies may reduce the death benefit and cash value and could result in a policy lapse if not properly managed. PolicyAdvisor.io (PolicyAdvisor LLC) makes no guarantees regarding future crediting rates, index performance, or policy returns.

8. WHOLE LIFE INSURANCE DISCLOSURE

Whole life insurance is a permanent policy that provides guaranteed death benefits and cash value accumulation.Premiums are typically higher than term life insurance but remain level for life. Cash value growth is based on fixed interest rates set by the insurance carrier. Loans and withdrawals against the policy may reduce death benefits and result in taxable consequences.Policyholder dividends (if applicable) are not guaranteed and depend on carrier performance.

9. INSURANCE RATES & PREMIUM DISCLOSURE

Any insurance policy premium quotes, estimates, or ranges displayed on PolicyAdvisor.io (PolicyAdvisor LLC) are non-binding.The final insurance policy premium for any policy is determined solely by the underwriting insurance carrier following a formal application and review process.Factors affecting insurance premiums include, but are not limited to:Age of the insuredHealth history and current medical conditionsTobacco useOccupation and lifestyle risksFamily medical historyCoverage amount and term length (for term policies) PolicyAdvisor.io (PolicyAdvisor LLC) does not have control over rate adjustments, policy increases, or underwriting decisions made by the insurance carrier.

10. CARRIER & PRODUCT AVAILABILITY DISCLOSURE

Insurance products, rates, and carriers available through PolicyAdvisor.io (PolicyAdvisor LLC) may change at any time without prior notice.Not all products or carriers are available in all states or jurisdictions.Policy terms, riders, and additional features vary by carrier and state regulations.

11. LIMITATION OF LIABILITY

PolicyAdvisor.io (PolicyAdvisor LLC) is not responsible for:Insurance carrier decisions, including denied applications or rate changes. Financial or legal outcomes resulting from purchasing or not purchasing a policy.Any misrepresentation of information provided by the applicant during the insurance application process.

12. MODIFICATIONS & UPDATES

PolicyAdvisor.io (PolicyAdvisor LLC) reserves the right to modify, update, or remove these disclosures at any time.Continued use of this website constitutes acceptance of these disclosures and disclaimers.

13. CONTACT INFORMATION

For any questions regarding these disclosures, please contact us:

📧 Email:

[email protected]