Disclosures

This website is for educational purposes only and is not investment, legal, or tax advice. The Economic Inclusion Fund and its representatives are not licensed investment advisors, attorneys, or tax professionals.

All figures are hypothetical, are not projections of any actual policy or investment, and assume the stated crediting rates, a 5% policy loan rate, and disciplined annual management. Policy charges are not separately modeled; actual carrier illustrations will show lower early-year cash values. Actual indexed crediting depends on caps, participation rates, floors, and index performance, and varies by carrier and by year.

Life insurance products involve fees, charges, and conditions. Policy loans that are not properly managed can reduce cash value and the death benefit or cause a policy to lapse, which may create a taxable event. Strategies discussed require a policy that is properly designed, funded below Modified Endowment Contract limits, and reviewed annually. Guarantees are subject to the claims-paying ability of the issuing carrier.

Federal student loan figures reflect rules effective July 1, 2026 and rates for the 2026–27 academic year; college cost figures are College Board 2025–26 averages inflated at 3.5% annually. Tax laws and federal student aid rules change. Client stories are composites; names and identifying details have been changed, and outcomes are illustrative rather than typical or guaranteed. No specific outcome is promised. Consult appropriately licensed professionals and review an actual carrier illustration before making any financial decision.