Disclosures

General insurance disclaimer

Insurance products and their availability vary by state and insurance company. Coverage is subject to eligibility, underwriting and the terms of the policy issued. Policy features, riders, definitions and limitations vary by insurance company and contract. US Insurance Advisors is an independent insurance agency; policies are issued by the insurance companies named in them. Guarantees are based on the claims-paying ability of the issuing insurance company. Nothing on this website is tax, legal or investment advice. Consult a qualified tax, legal or financial professional about your individual circumstances.

Indexed universal life (IUL) disclosure

Indexed universal life (IUL) insurance is life insurance, not an investment, and is not a security. The policy does not directly participate in any stock or equity investments, and index returns do not include dividends. Interest credited to cash value is based in part on the performance of an external index, subject to caps, participation rates, spreads, floors and other limits that vary by insurance company and contract and that the insurance company may change within contract limits. A floor limits negative index crediting, but policy charges, the cost of insurance and fees are still deducted and can reduce cash value. Policy loans and withdrawals reduce cash value and death benefits, accrue interest, may have tax consequences and may cause the policy to lapse. Tax treatment depends on your individual situation and on the policy remaining in force and not becoming a modified endowment contract (MEC). Illustrations are hypothetical and not guaranteed.

Living benefits

Accelerated death benefit riders and similar living benefits are not available on every policy or in every state. Availability, definitions, eligibility, qualifying events and benefit amounts vary by insurance company and policy. Accelerating a benefit reduces the death benefit paid to beneficiaries and may affect eligibility for public assistance programs and have tax consequences.

Mortgage protection

Mortgage protection offered through US Insurance Advisors is life insurance issued by independent insurance companies. It is not issued, endorsed or required by your mortgage lender, and the death benefit is paid to your named beneficiaries, not to your lender.

Calculators and simulators

Our coverage calculator provides an estimate for educational purposes and is not a recommendation, guarantee or offer of insurance. Our IUL crediting simulator is a simplified, hypothetical illustration of how caps, floors and participation rates affect index crediting. It is not a policy illustration, does not reflect any specific product, and ignores policy charges. Actual results will differ.

Veterans

US Insurance Advisors is an independent insurance agency and is not affiliated with or endorsed by the U.S. government, the Department of Veterans Affairs or any military branch.

Carriers

Carrier availability varies by state, product, agent appointment and individual eligibility. Company names and logos are shown to identify insurers we are contracted with and do not imply endorsement. Ratings shown are AM Best Financial Strength Ratings of the listed issuing companies as of September 2026; ratings can change at any time and do not guarantee a company’s ability to pay claims. Verify current ratings at ambest.com.

Careers

Compensation is commission-based and depends on individual production and applicable contracts. No level of income is guaranteed. Licensing and carrier appointments are required to sell insurance.