Legal Disclosures

Licensing Information

Grow I|O and its agents are licensed to sell life insurance and related products. We are independent agents representing multiple insurance carriers. Our licenses are held in good standing with state insurance departments. License numbers and jurisdictions are available upon request.

Compensation Disclosure

We are compensated through commissions paid by insurance companies when you purchase a policy. Commission rates vary by product type, carrier, and policy size. This compensation does not increase your premium—insurance companies pay us from their revenue.

We may receive additional compensation through:

• Renewal commissions on policies we've sold
• Performance bonuses from insurance carriers
• Educational conference sponsorships

While we represent multiple carriers, we are not required to offer every product available in the market. Our recommendations are based on your needs and our professional judgment of suitable products.

Not Investment or Tax Advice

We are licensed insurance professionals, not investment advisors, financial planners, or tax professionals. Information provided about investment strategies, tax benefits, or financial planning is for educational purposes only. You should consult with appropriate licensed professionals (CPAs, tax attorneys, financial advisors) for advice specific to your situation.

Insurance Product Disclosures

Life Insurance

• Whole life policies contain guaranteed elements and non-guaranteed dividends.
• Dividends are not guaranteed, but have been paid for over 120 consecutive years.
• Policy loans accrue interest and may reduce cash value and death benefits.
• Life insurance is not FDIC insured, not bank guaranteed, and may lose value
• Whole life insurance policies have fees, charges, and surrender periods
• Cash value accumulation is not guaranteed in the early policy years

Infinite Banking Concept (IBC)

• IBC requires significant long-term commitment and premium payments
• Results vary based on individual circumstances, policy design, and carrier performance
• IBC is a strategy using whole life insurance; it is not a separate product
• Tax treatment depends on proper policy design and compliance with IRS guidelines
• Returns may be lower than other investment options during certain periods

Cryptocurrency and Digital Assets

Information provided about cryptocurrency and digital asset protection strategies is educational in nature. Cryptocurrency investments are:

• Highly volatile and speculative
• Subject to significant regulatory uncertainty
• Not insured by FDIC or SIPC
• Subject to unique risks including theft, hacking, and loss of access

We do not sell, broker, or provide investment advice regarding cryptocurrency. We offer insurance products that may be funded with proceeds from cryptocurrency sales.

DeFi and Alternative Investments

Educational content regarding DeFi (Decentralized Finance) and alternative investments is provided for informational purposes only. These investments carry significant risks and may not be suitable for all investors. We do not provide investment advice or recommendations regarding DeFi protocols or alternative investments.

No Guaranteed Results

Past performance does not guarantee future results. Illustrations and projections are based on current assumptions and are not guarantees of future performance. Actual results will vary based on numerous factors including insurance company performance, premium payment patterns, policy loans, and economic conditions.

Underwriting Requirements

Life insurance approval is subject to underwriting by the insurance carrier. Underwriting considers:

• Medical history and current health status
• Age, gender, and tobacco use
• Occupation and hobbies
• Financial information and insurability
• Driving record and criminal history

Not all applicants will be approved. Rates may be higher than quoted based on underwriting results.

State Variations

Insurance regulations vary by state. Product availability, features, and benefits may differ based on your state of residence. Some strategies discussed may not be available or may have different tax treatment in your jurisdiction.

Right to Privacy

We maintain strict confidentiality of client information in accordance with state and federal privacy laws. Your information is shared only as necessary to process applications and provide services, or as required by law.

Complaints and Disputes

If you have concerns about our services or products:

1. Contact us directly to resolve the issue
2. If unresolved, you may contact the insurance carrier
3. You may also file a complaint with your state insurance department
4. You have the right to seek legal counsel

Educational Content Disclaimer

Blog posts, articles, videos, and other educational content are provided for general informational purposes only. This content should not be relied upon as the sole basis for making financial decisions. Always consult with qualified professionals regarding your specific situation.

Website and Technology Disclaimer

While we strive to keep information on our website accurate and up-to-date, we make no warranties or representations regarding the accuracy, completeness, or timeliness of website content. Technical issues, calculation tools, and online resources are provided as-is without warranty.

Contact Information

For questions about these disclosures or to request additional information: