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The information presented on this website is prepared for educational and informational purposes only. It should not be construed as personal advice or a solicitation to purchase any product.  Meet with a licensed insurance professional before making any insurance purchase. The information presented is believed to be from reliable sources, and we do not represent its accuracy or completeness.  Information should not be deemed as legal, tax, or investment advice.  Seek a council of licensed professionals for legal, tax, and investment advice. Any representation of the safety and guarantees of insurance products are subject to the insurer's ability to pay claims and be backed by the legal reserve.