Licensing & Disclosures

1. Business and Licensing Information

Insurance solicitation and transactions are conducted only where the relevant producer and agency, if applicable, hold the licenses and appointments required by law.

2. States Served

Insurance services are available only in jurisdictions where the relevant insurance professionals and entities are authorized to conduct the applicable insurance business.

Verified Authorized States: [INSERT STATES AFTER LICENSE VERIFICATION]

Website accessibility from a particular location does not constitute an offer to solicit or sell insurance in that jurisdiction.

3. Independent Insurance Companies

Cedar Shield Insurance is a name used to market insurance services and should not be understood to identify the insurer that issues or guarantees an insurance policy.

Insurance policies are issued by the applicable insurance companies. The identity of the issuing insurer will be disclosed in relevant quotations, illustrations, applications, and policy documents.

Insurance carriers are responsible for their contractual policy obligations, subject to the terms of the issued policies.

4. Term Life Insurance

Term life insurance generally provides a death benefit during a specified coverage period, subject to the terms of the policy.

Premium guarantees, renewal provisions, conversion privileges, exclusions, and other features vary by carrier and policy.

Most traditional term life policies do not accumulate cash value.

5. Mortgage Protection

Mortgage protection strategies may use life insurance to provide funds that beneficiaries can apply toward mortgage payments, housing expenses, or other financial needs.

A life insurance death benefit does not automatically pay off a mortgage unless the applicable policy and beneficiary arrangements provide for that result.

Mortgage protection is not a guarantee that a home cannot be foreclosed upon.

6. Final Expense Insurance

Final expense insurance is generally designed to provide a death benefit that may help beneficiaries address funeral, burial, cremation, and related expenses.

Some policies may contain graded death benefits, waiting periods, limitations, or exclusions.

Eligibility and benefits depend on the specific policy.

7. Annuities and Retirement Income

Annuities are long-term insurance contracts that may provide tax-deferred accumulation, contractual guarantees, and income options.

Features vary significantly by product type and issuing carrier.

• Withdrawals may be subject to surrender charges.
• Taxable withdrawals before age 59½ may be subject to an additional federal tax unless an exception applies.
• Income guarantees may require election of specific contract features or riders.
• Riders may involve additional charges, limitations, or conditions.
• Guarantees depend on the issuing insurer's claims-paying ability.

Annuities are not bank deposits and are not FDIC insured. Fixed annuities are not directly invested in the stock market.

Annuity recommendations, where made, are subject to applicable suitability and best-interest requirements.

8. Insurance Is Not a Bank Deposit

Insurance products are not deposits or obligations of a bank and are not insured by the FDIC.

Policy guarantees are contractual obligations of the issuing insurer, subject to policy terms and the insurer's financial ability to meet its obligations.

9. Illustrations and Projections

Illustrations may contain both guaranteed and non-guaranteed values.

Non-guaranteed assumptions may change and actual results can differ materially from illustrated outcomes.

Always review the insurer-approved illustration and applicable policy documents.

10. Compensation and Carrier Relationships

Insurance producers may receive commissions or other compensation from issuing insurance companies in connection with insurance transactions.

Compensation arrangements can vary by insurer, product, and transaction. Additional information about applicable compensation may be available upon request or disclosed as required by law.

11. Tax and Legal Information

Information about tax treatment, estate planning, beneficiaries, or retirement strategies is general in nature.

Cedar Shield Insurance does not provide legal or tax advice through this Website. Consult a qualified attorney or tax professional concerning your individual circumstances.

12. Consumer Verification

Consumers are encouraged to verify the license and appointment status of insurance professionals before entering into an insurance transaction.

For Florida licensing information, visit the Florida Department of Financial Services .

Consumers in other states may contact their respective state insurance departments.

13. No Guarantee of Approval

Submission of a request, application, or inquiry does not guarantee approval, insurability, or issuance of an insurance policy.

The issuing insurance company determines eligibility and final policy terms.

14. Contact and Questions