Disclosures

Insurance products are issued by insurance companies, not by Alpha Summit Insurance Services. Product availability, eligibility, premiums, benefits, exclusions, limitations, and policy terms vary by carrier, product, state, and individual application.

Information on this site is general and is not an offer to insure or a guarantee of acceptance, coverage, or a particular premium. A quote is an estimate based on information available at the time. The issuing carrier makes the final underwriting decision. Coverage begins only as described in the issued policy after all carrier requirements are met.

Indexed Universal Life (IUL) policies are not investments in a stock market index. Any index-linked interest crediting is subject to the policy’s specific terms, limits, charges, and other factors. Illustrated values that are not guaranteed are hypothetical and are not promises of future performance. Review both guaranteed and non-guaranteed values with the carrier.

Please review the policy and any illustrations or disclosures provided by the carrier. The policy contract controls.