Disclaimer

1. General Website Disclaimer

The information provided on askmehow.life is for general educational and informational purposes only. Nothing on this website constitutes financial advice, investment advice, tax advice, legal advice, or any other professional advice. The content is provided "as is" without warranty of any kind.

Always consult a qualified, licensed professional before making any financial or insurance decisions. Individual circumstances vary, and what is appropriate for one person may not be appropriate for another.

2. Insurance Product Illustrations Are Not Guarantees

All product illustrations, projections, hypothetical returns, accumulation values, income estimates, and death benefit scenarios presented on this website or in any consultation are illustrative only and are not guarantees of future performance.

Insurance carriers prepare illustrations based on current assumptions, which may include current cap rates, participation rates, credited interest rates, cost of insurance charges, and administrative fees. These assumptions can and do change. Future results will differ from illustrated values.

Fixed Index Universal Life (FIUL) and Fixed Index Annuity (FIA) products are insurance contracts, not securities. They do not directly participate in any stock, bond, or index. The 0% floor (minimum credited interest) is contractually guaranteed; positive crediting is not guaranteed in any given period.

3. Independent Agent Disclosure

AskMeHow.Life is operated by an independent insurance agent. We are not captive to any single insurance carrier, which means we may represent and offer products from multiple carriers.

As a licensed independent agent, we receive commissions from insurance carriers when policies are issued. These commissions do not change the premium you pay. We are required to act in your best interest and to recommend only suitable products based on your individual financial situation, needs, and objectives.

4. Not a Registered Investment Adviser

AskMeHow.Life is not a registered investment adviser (RIA) and does not provide investment advisory services. We do not manage investment portfolios, provide securities advice, or hold any securities licenses.

If you require advice regarding securities, mutual funds, stocks, bonds, or other investment products, please consult a registered investment adviser or broker-dealer licensed in your state.

5. Licensing Information

AskMeHow.Life is licensed to sell life insurance, health insurance, and/or annuity products in the following states. License numbers are shown as placeholders pending final publication:

State	License Type	License Number	Licensed Since
North Carolina	Life, Accident & Health, Variable Life/Annuity	[NC-LICENSE-PLACEHOLDER]	2018
Virginia	Life, Accident & Health, Variable Life/Annuity	[VA-LICENSE-PLACEHOLDER]	2018
South Carolina	Life, Accident & Health	[SC-LICENSE-PLACEHOLDER]	2018
Georgia	Life, Accident & Health	[GA-LICENSE-PLACEHOLDER]	2018
New York	Life, Accident & Health	[NY-LICENSE-PLACEHOLDER]	2018

Products and availability vary by state. Not all products described on this website are available in all states.

6. NAIC Suitability Model Compliance

AskMeHow.Life follows the National Association of Insurance Commissioners (NAIC) Suitability in Annuity Transactions Model Regulation. Before recommending any annuity product, we gather and analyze information including the consumer's:

• Financial situation and needs
• Financial experience and knowledge
• Financial objectives
• Intended use of the annuity
• Financial time horizon
• Existing assets, including insurance and investment portfolio
• Liquidity needs
• Liquid net worth
• Risk tolerance
• Tax status

Recommendations are made only when we have a reasonable basis to believe the product is suitable for the specific consumer at the time of recommendation.

7. New York Disclosure — Insurance Law §3209

For New York residents: New York Insurance Law §3209 requires that life insurance applicants receive certain disclosure information before purchasing equity-indexed life insurance products. Specifically:

• Fixed Index Universal Life policies and other equity-indexed insurance products are insurance products regulated by the New York State Department of Financial Services (DFS).
• Illustrated values are based on non-guaranteed elements and may be more or less favorable than shown.
• An outline of coverage and a buyer's guide are available upon request and will be provided prior to or at the time of application for any applicable product.
• The insurer's current and historical cap rates and participation rates may differ from those illustrated. Inquire about the insurer's history of adjusting these rates.

8. Surrender Charges and Withdrawal Limitations

Many annuity and permanent life insurance products contain surrender charges and withdrawal limitations, particularly during the initial policy years (the "surrender period"). Key disclosures:

• Annuities: Fixed Index Annuities and MYGAs typically have surrender periods of 3–10 years with charges ranging from 0% to 10% or more on amounts withdrawn in excess of the free withdrawal amount (typically 10% of account value per year).
• FIUL Policies: Surrender charges on universal life policies typically decline over 10–15 years. Early surrender may result in the return of less than total premiums paid.
• IRS Penalties: Early distributions from qualified accounts or annuities held inside IRAs before age 59½ may be subject to a 10% federal income tax penalty in addition to ordinary income taxes on the taxable portion of any distribution.
• Liquidity: Insurance products are generally designed as long-term financial vehicles. They are not appropriate for funds that you may need access to in the short term.

9. No Guarantee of Insurance Approval

Any insurance product is subject to carrier underwriting. We cannot guarantee that you will be approved for coverage, or that the coverage offered will match any illustrated amount or premium. Final coverage and premium are determined by the carrier based on the underwriting review of your application and, where applicable, medical records and/or a medical examination.

10. Third-Party Links

This website may contain links to third-party websites for reference purposes. AskMeHow.Life is not responsible for the content, privacy practices, or accuracy of information on third-party websites. Links do not constitute endorsements.

If you have questions about this Disclaimer, contact us at info@askmehow.life or (704) 960-3247.