Compliance & Legal Disclaimer

General Information Only

The information provided on this website is for general educational purposes only. Nothing on this site should be interpreted as specific tax, legal, investment, or financial advice. All content is intended to help visitors better understand insurance concepts and available options; however, individual circumstances vary, and no website can substitute for personalized guidance.

No Guarantee of Results

All examples, illustrations, case studies, or scenarios shown are hypothetical and for educational use only. Past performance, historical data, or hypothetical projections do not guarantee future results. Insurance and financial products involve risks, limitations, and conditions that must be evaluated on an individual basis.

Licensing & State Availability

Insurance services are offered only in states where the agent is properly licensed and appointed. Products, features, and benefits vary by state, carrier, and product type, and may not be available in all jurisdictions. Nothing on this website is an offer to sell insurance products in any state or territory where such products are not permitted.

Before purchasing coverage, individuals must complete all required applications, disclosures, state-specific forms, and underwriting requirements.

Insurance Product Disclosures

Insurance and annuity products referenced on this website are subject to the terms, conditions, underwriting guidelines, and approval of the issuing insurance company. Product availability, features, and riders—including living benefits—may differ between carriers and states.

Living Benefits

Living benefits are provided through optional life insurance riders and are not a replacement for:

  • Health insurance
  • Long-term care insurance
  • Disability insurance

Living benefits may require qualifying medical conditions and may be subject to:

  • Waiting periods
  • Eligibility requirements
  • Rider charges
  • Reduction of the policy’s death benefit

Receipt of accelerated benefits will reduce the policy’s remaining death benefit and may affect eligibility for Medicaid or other public assistance programs.

Annuity Disclosures

All guarantees associated with life insurance and annuity products are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Annuities may include surrender charges, fees, interest rate caps, spreads, participation rates, and other product-specific limitations.

Indexed annuities do not directly participate in any market or index, and returns are subject to contract terms. Market performance may not correlate to credited interest.

Suitability & Individual Assessment

Insurance suitability is based on each individual’s:

  • Financial goals
  • Risk tolerance
  • Income
  • Liquidity needs
  • Tax situation
  • Long-term objectives

A product recommended for one person may not be appropriate for another. Always consult with licensed professionals who can review your specific goals and needs.

Tax & Legal Disclosures

Neither this website nor the agent is authorized to provide tax or legal advice. Tax implications of insurance products vary by state and personal situation.

Please consult with:

  • A qualified tax professional for questions about tax implications
  • A licensed attorney for legal guidance
  • A licensed financial professional for personalized financial planning
  • No Client-Advisor Relationship

Viewing or interacting with this website does not create a client–advisor or insured–agent relationship. A relationship is established only after formal engagement, licensing verification, and completion of required documentation.

Accuracy of Information

Although efforts are made to ensure accuracy, information may change over time due to:

  • Regulatory updates
  • Carrier product changes
  • Market conditions
  • State laws

This website may be updated without notice, and no guarantee is made regarding the completeness or timeliness of any information.

Third-Party Links & Tools

This website may contain links to third-party websites, tools, or calculators. These are provided for convenience only. The agent assumes no responsibility for:

  • Accuracy of third-party content
  • Privacy practices
  • Security of external sites

Use of third-party resources is at your own discretion.

Testimonials & Reviews

Any testimonials, endorsements, or client statements reflect individual experiences and are not guarantees of future results. They should not be interpreted as typical or expected outcomes for all clients.

Privacy & Data Handling

Any personal information submitted through forms or scheduling tools is handled in accordance with the website’s Privacy Policy. Submission of information does not obligate you to purchase any product.

Consult a Licensed Professional

For advice regarding your personal situation, please consult:

  • A licensed insurance professional in your state
  • Your tax advisor
  • Your legal counsel
  • A qualified financial professional

Have questions? Email us at info@sammymiranda.com