Life Insurance Disclosure

Life insurance products vary significantly in premiums, benefits, guarantees, cash values, surrender charges, riders, exclusions, limitations, underwriting requirements, and other policy provisions.

Insurance coverage is subject to the underwriting requirements and terms of the applicable insurance company and policy.

Submitting an application does not guarantee that coverage will be issued.

Premiums, rates, benefits, cash values, dividends, interest rates, non-guaranteed values, and other figures presented in connection with a life insurance product are subject to the applicable policy, illustration, insurer requirements, and assumptions used.

Any illustration or example presented on this website is for informational purposes and should not be interpreted as a guarantee of future performance, cash value, dividends, interest, or policy benefits unless expressly identified as guaranteed under the applicable policy.

References to "no medical exam," "no medical examination," "non-medical," "simplified issue," "guaranteed issue," or similar terms do not necessarily mean that a policy is guaranteed to be issued or that no health information will be required. Eligibility and issuance may depend upon application answers, underwriting requirements, age, coverage amount, state, product, and other factors.

Higher Power Independent Insurance Agency LLC may receive compensation from the insurance company when a life insurance policy is purchased through the agency.

Consumers should review the actual policy, application, illustration, riders, exclusions, limitations, and insurer-provided disclosures before purchasing life insurance.

If a specific insurance company or policy is advertised, the applicable insurer and policy type should be clearly identified in the advertisement.