Insurance Disclosures

Insurance guarantees and indexed products

Insurance product guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Fixed indexed annuities do not directly participate in the stock market or any index. Indexed interest, participation rates, caps, spreads, and other non-guaranteed elements may change according to contract terms.

Indexed Universal Life insurance

Indexed Universal Life insurance includes policy charges and other policy provisions. Policy loans and withdrawals reduce cash value and death benefit, may cause the policy to lapse, and may create tax consequences. Tax treatment depends on individual circumstances and current law.

Professional advice

Wealth Creative Solutions and its representatives do not provide legal or tax advice. Consult an appropriate professional regarding your individual circumstances. Website education does not create an investment-advisory, fiduciary, legal, or tax-advisory relationship.

Availability and suitability

Product availability, features, rates, charges, surrender periods, and eligibility vary by state, carrier, contract, and individual circumstances. No product, strategy, or insurance company is appropriate for every person.