Your Salary For Life

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Disclosures

1“Salary For Life” describes a planning approach that uses guaranteed lifetime income products issued by insurance companies. It is not a product name, an account type, or a government program. ↩
2Protection from market index declines refers to features of the underlying insurance contract. Guarantees are subject to the claims-paying ability of the issuing insurance company and to the terms, limits, and fees of the contract. ↩
3Lifetime payments depend on the income option elected and require the contract to remain in force under its terms. Withdrawals in excess of the elected income may reduce or end future payments. ↩
4Spousal continuation is available only where the contract is structured for joint lives at issue. Electing it generally reduces the monthly income amount. ↩
5Index-linked crediting is limited by caps, participation rates, or spreads set by the issuing insurance company. You receive a share of index gains, not the full index return, and index performance does not include dividends. ↩
6Most contracts permit a limited penalty-free withdrawal each year. Amounts taken above that limit during the surrender charge period are subject to a surrender charge that declines over time, and withdrawals may have tax consequences. ↩
7Any figures shown are provided in writing by the issuing insurance company for your specific situation before any decision is made. Illustrated values are not a guarantee of future results. ↩
8The monthly income amount is quoted by the issuing insurance company for your specific situation before you commit. It reflects the contract terms elected and is not a projection or an estimated range. ↩

Important Disclosures

ENTITY AND LICENSING: Your Salary For Life is a marketing and education brand of Merit Financial USA. Chris Poblete, licensed insurance producer, NPN 21654062, licensed in Arizona, California, Florida, Louisiana, Ohio, and Texas.

EDUCATIONAL PURPOSE ONLY: This website provides general educational information and does not make product recommendations. Information submitted through this website goes directly to Chris Poblete. Nothing on this website is a formal illustration of any specific insurance product or an offer to buy or sell any product.

PRODUCT INFORMATION: Any references to lifetime income describe features of certain insurance products. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Insurance and annuity products are not FDIC insured, not bank guaranteed, and may lose value. Product features, availability, costs, and suitability vary by carrier, product, and state.

REGULATORY STATUS: This website and its content have not been reviewed, approved, or endorsed by FINRA, the SEC, or any state insurance department or regulatory agency. Not affiliated with any government agency.

NO SECURITIES, TAX, OR LEGAL ADVICE: Neither Your Salary For Life nor Merit Financial USA provides securities, investment, tax, or legal advice. For securities or investment advice, consult a licensed securities professional. For tax advice, consult a qualified tax professional. For legal advice, consult a licensed attorney.

STATE AVAILABILITY: Availability varies by state. Services are available only in states where the producer is licensed.

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