1. General Information Disclaimer

The content published on this website — including all articles, guides, comparisons, and descriptions of insurance products — is provided for educational and informational purposes only. It does not constitute financial advice, investment advice, tax advice, or legal advice.

Nothing on this site should be interpreted as a recommendation to purchase any specific insurance product, adopt any particular financial strategy, or take any specific action with respect to your personal financial situation. Every person’s financial circumstances are different. Decisions about life insurance and related financial strategies should be made in consultation with qualified professionals who understand your complete situation.

WealthGuard Life makes no representation that the information on this site is accurate, complete, or current as of the date you read it. Tax laws, insurance regulations, and product availability change over time. Verify all information with current sources and qualified professionals before acting on it.

2. Insurance Products vs Securities

The products described on this website are insurance products, not securities. Life insurance policies, including whole life insurance and indexed universal life insurance (IUL), are regulated by state insurance commissioners, not the Securities and Exchange Commission (SEC) or the Financial Industry Regulatory Authority (FINRA). They are not registered investment products.

• Life insurance products are not FDIC insured
• They are not insured by any federal government agency
• They are not bank deposits or obligations
• They are not guaranteed by any bank
• The value of certain policy features (such as cash value) may fluctuate based on policy type, premium payments, and insurer performance

Variable life insurance products — including variable universal life (VUL) — are securities products and require separate securities licensing. WealthGuard Life does not offer variable life insurance products through this website.

3. Cash Value Growth — No Guaranteed Returns

Permanent life insurance policies may accumulate cash value over time. The rate and amount of cash value growth depends on the type of policy, the amount and consistency of premium payments, policy costs (including cost of insurance and administrative fees), and other factors specific to each policy and insurer.

No specific rate of return on cash value is guaranteed except where explicitly stated in the policy contract itself. Specifically:

• Whole life insurance: The policy’s guaranteed cash value schedule represents the contractual minimum. Dividends, if paid, are not guaranteed and are a return of excess premium at the insurer’s discretion.
• Indexed universal life insurance (IUL): Cash value crediting is linked to the performance of an external market index and is subject to a floor (minimum, often 0%) and a cap (maximum). Index credits above zero are not guaranteed. Policy illustrations showing non-guaranteed assumed crediting rates are hypothetical projections, not promises of future performance.

References on this site to “potential cash value growth,” “tax-advantaged accumulation,” or similar language refer to the potential performance of permanent life insurance products under favorable conditions — not guaranteed outcomes. Past performance of any insurance product or index does not guarantee future results.

4. State Licensing

Insurance services are offered through Russell Moran Enterprises, Inc. DBA Russell Moran Agency. We are licensed to sell life insurance in the following states:

We are not licensed to sell insurance in any other state. If you reside outside the states listed above, we cannot provide insurance services to you directly. Nothing on this site constitutes an offer or solicitation in any jurisdiction where we are not licensed.

State insurance regulations vary. Product availability, features, and terms may differ by state. Products described on this website may not be available in all states in which we are licensed.

5. License Verification — FINRA BrokerCheck

You have the right to verify the licensing status and disciplinary history of any insurance professional before working with them. You can verify our license and review any disciplinary history through FINRA BrokerCheck:

You may also verify state insurance licenses directly through the insurance commissioner’s office in your state. Links to each state’s department of insurance are available from the National Association of Insurance Commissioners (NAIC) at naic.org.

6. Privacy Policy

WealthGuard Life is committed to protecting your personal information. We do not sell, rent, or share your personal information with third parties for marketing purposes. Please review our Privacy Policy for complete information on how we collect, use, store, and protect your personal information, and for information about your rights with respect to that information.

By submitting any form on this website or otherwise providing your contact information, you acknowledge that you have read and agreed to our Privacy Policy.

7. Questions About These Disclosures

If you have any questions about these disclosures, our licensing, our products, or our practices, please contact us directly:

Email: [email protected]

We are committed to transparency and will respond to all questions promptly.