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Life Insurance Licensing

Licensed in 38 states

I am licensed in 38 states and appointed with many insurance carriers.

General Insurance Disclosures

This website provides general insurance education and information. It is not a policy, contract, quote, offer of coverage, or guarantee of approval, coverage, savings, benefit payment, tax outcome, cash-value growth, investment performance, or retirement income.

Carrier, product, rider, and benefit availability varies by state, age, health, underwriting, appointment status, and eligibility. Policy definitions, exclusions, limitations, waiting periods, costs, benefit amounts, and other terms control.

Any examples or educational scenarios are illustrative only and should not be treated as a promise that a specific policy or benefit will apply.

Life Insurance, Living Benefits & IULs

Living-benefit riders differ by carrier and policy. Access to any benefit depends on the policy definition, a qualifying covered event, eligibility, and other applicable terms. Accelerating a death benefit may reduce the amount available to beneficiaries.

An indexed universal life policy is life insurance—not a traditional retirement account or direct stock-market investment. Policy performance may be affected by premiums, charges, crediting methods, caps, participation rates, spreads, loans, withdrawals, and policy management.

Loans and withdrawals may reduce cash value and death benefits and may create tax consequences if a policy lapses or is surrendered. Consult a qualified tax professional about your circumstances.

Annuity & Retirement Education

Annuities are insurance contracts, not bank accounts. Contract values, credited interest, income options, surrender periods, charges, riders, access to funds, and death benefits depend on the issuing contract.

Returns are not guaranteed unless expressly stated in the contract. Any guarantees are subject to the claims-paying ability and terms of the issuing insurer.

Health & Medicare Education

Sasha’s role on this website regarding health insurance and Medicare is education and consulting. This website does not currently present Sasha as selling Medicare plans. Visitors should review official plan materials and contact the appropriate plan, program, or licensed professional for advice about specific enrollment decisions.

No Legal, Tax, Medical, or Investment Advice

Information on this site is not legal, tax, medical, or investment advice. Consult appropriately qualified professionals before making decisions in those areas.

Questions

For questions about these disclosures, email natasha.jones.harris.insurance@gmail.com.