Consumer Financial & Insurance Regulatory Notices
Grow & Stay Rich operates as an independent financial education and life insurance advisory network (NPN: 21450620). Contracting and licensing portals facilitated through SureLC. Member agency affiliated with Hegemon Group International (HGI) / Integrity Marketing Group. Life insurance products (such as Index Universal Life) and Fixed Index Annuities (FIA) are insurance products issued by state-regulated life insurance companies. They do not represent direct investments in stock market equities, mutual funds, or securities portfolios.
Contractual guarantees, including 0% market downside floors, cap rates, participation rates, and guaranteed lifetime income options, are backed solely by the financial strength and claims-paying ability of the issuing insurance carriers (such as Allianz, Corebridge Financial, Nationwide, Athene, F&G Life, Lincoln Financial, Mutual of Omaha, Americo, North American, etc.). Guarantees are subject to policy terms, fee structures, and carrier underwriting approval.
References to "tax-free" growth, loans, or distributions refer to federal tax treatment of life insurance policy values under Internal Revenue Code Section 7702, assuming the contract remains in force and does not trigger Modified Endowment Contract (MEC) status under IRC Sec. 7702A. Grow & Stay Rich does not provide personalized tax or legal advice. Clients should consult their CPA, tax attorney, or independent tax advisor regarding their individual tax situations.
Living Benefits riders allow policyholders to accelerate death benefits in the event of qualifying critical, chronic, or terminal health conditions. Acceleration payout amounts vary based on carrier underwriting evaluation, policy face value, and severe illness qualification at the time of claim. Riders may involve administrative fees or reduce policy cash surrender values and death benefits.