Disclaimer of Financial Advice

The information, analysis, and reports generated by ParityPoint (the "Service") are provided solely for educational and informational purposes. The Service is a mathematical calculator and does not constitute financial, investment, legal, or tax advice. By using the Service, you explicitly acknowledge and agree to the following.

No Fiduciary Duty

ParityPoint and its operators are not registered investment advisers, broker-dealers, insurance producers, or financial planners. We do not act in a fiduciary capacity toward you.

No Recommendations

The Service mathematically models the data you input. It does not recommend, endorse, or advise on the purchase, sale, surrender, or modification of any life insurance policy, security, or investment product.

User-Driven Assumptions

The Internal Rate of Return (IRR) calculations, alternative-strategy modeling (for example, comparing the policy against purchasing term coverage and investing the premium differential), and future value projections depend entirely on the illustration data and rate-of-return assumptions you provide. These projections do not guarantee or predict future market performance.

Term Insurance Estimates

Term insurance premium estimates shown in alternative-strategy comparisons are derived from publicly available industry rate data and are illustrative only. They are not insurance quotes. Actual premiums available to you will depend on full underwriting, medical history, and carrier-specific criteria, and may differ materially from the estimates shown. The availability of term coverage is not guaranteed. A modeled term strategy does not establish that equivalent coverage would be available to you at the modeled premium, on the modeled terms, or at all, particularly at advanced ages or following changes in health status.

Dividend Projections

Non-guaranteed values, including projections based on current or conservative dividend scales, are not guarantees. Dividend scales are determined by the issuing carrier and are subject to change. Only the guaranteed values shown in your illustration are contractually guaranteed by your carrier.

Tax Estimates

Any tax-impact figures shown reflect simplified estimates based on assumed federal long-term capital gains rates and do not account for your specific tax situation, state taxes, the alternative minimum tax, the surrender taxation of policy gain over basis, or other tax considerations. They are illustrative, not tax advice.

Consult a Professional

You are solely responsible for evaluating the merits and risks associated with the use of any data generated by the Service. You should consult with a qualified financial, insurance, or tax professional before making any decisions regarding your insurance policies or investments.

Questions

If you have questions about this disclaimer or the Service, contact us at support@paritypoint.app.

ParityPoint LLC
A Minnesota limited liability company
Email: support@paritypoint.app