California Insurance Licensing Disclosure

Insurance products and services are offered through a properly licensed insurance professional in the State of California.

John Carlos Ortiz

Licensed Insurance Professional – State of California

California Insurance License #: 4067969

Insure Your Success Insurance Agency

Licensed Insurance Agency – State of California

California Insurance License #: 6003418

Products are offered through multiple insurance carriers. Carrier selection is based on underwriting approval, product suitability, and client-specific objectives.

All insurance applications are subject to carrier underwriting review and approval. Approval is not guaranteed.

Policy issuance, premiums, classifications, riders, and benefits are determined by the issuing insurance company based on underwriting guidelines, health assessments, financial suitability review, and other risk factors.

Coverage is not effective until:

• The application is approved by the carrier
• The policy is issued
• The required premium is paid
• All delivery requirements are satisfied

Policy provisions, exclusions, limitations, and conditions apply. Clients should review the issued policy contract carefully.

Insurance illustrations, premium quotes, projections, or performance scenarios are provided for informational purposes only and are not guarantees of future results.

Non-guaranteed elements may include, but are not limited to:

• Interest crediting rates
• Dividend scales
• Cost of insurance charges
• Policy expenses
• Actuarial assumptions

These elements are subject to change by the issuing carrier. Actual results may be more or less favorable than illustrated.

Illustrations may require updates within 30 days due to changes in carrier pricing, mortality tables, underwriting classifications, or regulatory adjustments.

Insure Your Success Insurance Agency provides insurance planning services only.

Nothing contained in communications, illustrations, proposals, or website content should be interpreted as legal, tax, accounting, securities, or investment advice.

Clients are encouraged to consult with qualified legal, tax, or financial professionals before implementing any insurance or financial strategy.

Insurance recommendations are based on information provided by the client regarding financial condition, objectives, risk tolerance, and planning goals.

It is the client’s responsibility to ensure that all information provided during the application process is complete and accurate. Misstatements or omissions may result in policy modification, rescission, or claim denial by the carrier.

Insure Your Success Insurance Agency may collaborate with attorneys, accountants, financial professionals, and other advisors as part of a coordinated planning approach.

References to third-party professionals are provided as a professional courtesy. Insure Your Success Insurance Agency does not control and is not responsible for the advice, services, actions, or outcomes of any third-party provider.

Clients retain full discretion in selecting outside advisors.

Content on this website is provided for general educational purposes only and does not constitute a solicitation to purchase insurance in any jurisdiction other than California.

Product availability may vary by carrier and state.

Nothing on this website guarantees policy approval, premium rates, or future policy performance.

If you have any further questions, please send us a message by using this link: www.insureyoursuccess.com/consultation