Disclaimer

Last Updated: August 18, 2026

1. No Professional Advice

The content on this website, including text, graphics, images, and other material, is for informational purposes only and does not constitute professional financial, tax, legal, or investment advice. Nothing on this site should be construed as a recommendation or endorsement of any specific insurance product, financial strategy, or course of action.

You should consult with qualified professionals — including financial advisors, tax professionals, and legal counsel — for advice tailored to your specific circumstances. We do not provide fiduciary advice or recommendations in a fiduciary capacity.

2. Insurance Information

The insurance products and services described on this website are general in nature. Actual coverage, policy terms, premiums, and availability vary by carrier, state, and individual circumstances. Any examples, illustrations, or quotes provided are for informational purposes only and are not binding offers of coverage.

Insurance coverage becomes effective only after a policy is issued by the carrier and the premium is paid. All insurance applications are subject to underwriting and carrier approval. Some products may not be available in all states.

3. No Guarantee of Results

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or suitability of the information on this site. Any reliance you place on such information is strictly at your own risk.

Past performance or historical illustrations do not guarantee future results. Insurance products are subject to the financial strength and claims-paying ability of the issuing carrier.

4. External Links

This website may contain links to third-party websites. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party websites. Your use of external links is at your own risk.

5. No Endorsement

References to specific insurance carriers, products, or services on this website do not constitute an endorsement or recommendation by USA Life Insurance. The inclusion of any carrier or product does not imply that we have evaluated its suitability for your specific needs.

6. Limitation of Liability

To the fullest extent permitted by law, USA Life Insurance and its owners, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of this website or any content contained herein. This includes, but is not limited to, damages for loss of profits, goodwill, or data.

7. Errors and Omissions

We make every effort to ensure the accuracy of the information on this website. However, errors or omissions may occur. We reserve the right to correct any inaccuracies or omissions without prior notice. We are not responsible for any loss or damage resulting from reliance on information on this site.

8. Testimonials and Case Studies

Any testimonials, case studies, or examples on this website are for illustrative purposes only and may not reflect the typical experience of all clients. Individual results vary.

9. Jurisdiction and Governing Law

This disclaimer and your use of this website are governed by the laws of the State of Maryland, without regard to its conflict of law principles. Any legal action arising from your use of this website shall be brought exclusively in the state or federal courts located in Maryland.

10. Changes to This Disclaimer

We reserve the right to update this disclaimer at any time without prior notice. Any changes will be posted on this page with the “Last Updated” date. Your continued use of the website after changes are posted constitutes your acceptance of the updated disclaimer.

11. Contact Us

If you have any questions about this disclaimer, please contact us:

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