1. Information contained in this site is brief and not complete.
   
   
2. Always disclose replacements when applicable.
   
   
3. Search for the plan best suitable to you.
   
   
4. Review illustrations and brochures. 
   For variable contracts, read the prospectus carefully before you pay any money.
   
   
5. We encourage you to shop around.
   
   
6. Compare plans and know your choices, make an informed  decision.
   
   
7. Always look for exclusions and limitations as well as guarantees.
   
   
8. Examine your policy upon receipt. If not satisfied, notify the carrier immediatley.
   
   
9. Do not mistake life insurance as an investment.
   
   
10. Department Of Insurance in your state is a source for regulatory information.