DISCLAIMERS

The Fine Print: This software illustrates an Indexed Universal Life cash value insurance policy. Guarantees backed by the claims paying ability of the underwriting insurance company. Wealthsoft graphics and illustrations do not constitute tax, legal or accounting advice. Please consult your own legal or tax counsel to confirm how tax treatment applies to you. The hypothetical results are for illustrative purposes only and should not be deemed a representation of past or future results. Tax free access to cash values are typically done through a policy loan which can reduce death benefits, cash values, incur interest and could cause the policy to lapse. Additional premium payments may be needed to keep the policy in force and in the event of a lapse, outstanding policy loans in excess of unrecovered basis will be subject to ordinary income taxes. Tax laws are subject to change. These values are not guaranteed. Policies still incur costs and charges each year for administration and insurance, this could cause the cash value to go down. You may also lose cash value by surrendering the policy. Life Insurance costs and caps can be changed at the discretion of the insurance company. This software in no way guarantees future performance, and is null and void unless accompanied by an approved illustration from an insurance company.