Disclosures

Who We Are

Uhud Insurance & Financial Services is an independent life insurance agency. We are not a registered investment adviser, a broker-dealer, a law firm, or an accounting firm, and nothing on this website should be read as investment, tax, or legal advice. Uhud is not a fiduciary to visitors of this website. Any reference to an “advisor” refers to a licensed insurance professional.

Guarantees & Non-Guaranteed Values

Policy guarantees, including any guaranteed death benefit, guaranteed cash value, or guaranteed level premium, are subject to the claims-paying ability of the issuing insurance company. Non-guaranteed values are not guaranteed. Dividends are not guaranteed: whether a participating carrier declares a dividend, and in what amount, depends on that carrier’s experience and may change. Illustrations that show non-guaranteed elements are projections, not promises, and actual results will differ.

Policy Loans & Withdrawals

Policy loans and withdrawals reduce the policy’s cash value and death benefit, may cause a policy to lapse if not managed, and may have tax consequences. Loans accrue interest.

Tax & Legal

This material is for educational purposes only and is not tax or legal advice. Uhud does not provide tax or legal advice. Discuss your specific situation with your qualified tax professional and attorney. Life insurance receives specific tax treatment when applicable requirements are satisfied, including those referenced in Internal Revenue Code Section 7702, but results depend on policy structure and individual circumstances. Nothing on this website is offered as a retirement plan, a substitute for a qualified retirement account, or a guaranteed tax outcome.

Carrier & Product Availability

Through our brokerage relationships, Uhud can evaluate solutions from a range of established life insurance companies. Carrier and product availability may vary based on state, underwriting, contracting, and case requirements. Nothing on this website implies an endorsement by, an exclusive relationship with, or guaranteed access to any insurance company. Products and features are not available in all states, and coverage is not issued until an application is approved by the carrier.

Underwriting

Eligibility, coverage amounts, and pricing depend on carrier underwriting, which considers factors such as health history, age, occupation, and lifestyle. No coverage, rate class, or premium can be confirmed before underwriting is complete.

Infinite Banking

“Infinite Banking” describes a general strategy that uses the cash value of a participating whole life insurance policy. It is not a separate product, account, or bank, is not affiliated with or endorsed by any bank, and results depend on policy design, funding, carrier performance, and how consistently the strategy is maintained.

Suitability

No strategy described on this website is appropriate for everyone. Whether a particular approach may fit depends on your individual goals, budget, underwriting profile, time horizon, and circumstances, and is assessed with a licensed advisor.