Disclaimer

No Client-Advisor Relationship

Viewing this website, downloading materials, or submitting an inquiry form does not create a client-advisor relationship between you and Ryan Wert Insurance. A formal relationship is established only upon the mutual execution of a written engagement agreement.

Not Financial or Legal Advice

The content on this website, including articles, case patterns, and strategy descriptions, is provided for educational purposes only. It should not be construed as personalized financial, legal, tax, or insurance advice. Every individual's financial situation is unique, and strategies that work for one person may not be appropriate for another.

Before implementing any insurance or estate planning strategy, you should consult with qualified professionals, including insurance advisors, attorneys, accountants, and tax advisors who can provide guidance tailored to your specific circumstances.

No Guarantees or Warranties

We make no representations or warranties regarding the accuracy, completeness, or timeliness of the information on this website. Financial markets, tax laws, and insurance products change frequently. While we strive to keep information current, we do not guarantee that all content reflects the most recent developments.

Past performance and case patterns presented on this website are not indicative of future results. Insurance strategies and outcomes depend on numerous factors unique to each situation.

Premium Financing Risks

Premium financing involves significant risks, including:

• Interest rate volatility may increase borrowing costs
• Policy performance below projections may require additional collateral or premium payments
• Collateral calls may force unplanned asset liquidation
• Loan default could result in policy lapse

Premium financing is not suitable for everyone and requires careful analysis and ongoing monitoring.

Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, accuracy, or privacy practices of these external sites. Links are provided for convenience only and do not constitute an endorsement.

Limitation of Liability

To the fullest extent permitted by law, Ryan Wert Insurance and its affiliates, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on its content. This includes, but is not limited to, damages for lost profits, business interruption, or loss of data.

Regulatory Compliance

Ryan Wert Insurance operates in accordance with applicable state and federal insurance regulations. Insurance products and services are offered only in jurisdictions where we are properly licensed and appointed.

Case Patterns and Anonymization

Case patterns presented on this website are based on actual client situations but have been heavily anonymized to protect client confidentiality. Details have been modified, combined, or fictionalized. These examples are illustrative only and should not be interpreted as typical results or guarantees of future outcomes.