Terms & Conditions

By Using This Website, You Agree to These Terms

These Terms & Conditions (“Terms”) govern your access to and use of the Roddy Life Planning Group website (“Website”).

By accessing, browsing, or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with any applicable policies or notices referenced throughout the Website.

If you do not agree with these Terms, please discontinue use of the Website.

Roddy Life Planning Group reserves the right to update these Terms from time to time. Your continued use of the Website following an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.

This Website Provides General Educational Information

The information presented on this Website is intended to provide general educational and informational content about life insurance, living benefits, disability insurance, retirement-income considerations, 401(k) education, and related topics.

The Website is intended to help visitors understand general concepts and prepare for informed conversations.

The information provided should not be interpreted as personalized advice or as a recommendation that a particular product, strategy, policy, or course of action is appropriate for you.

Educational Content Is Not Personalized Professional Advice

Nothing on this Website is intended to constitute:

• Financial planning.
• Investment advice.
• Tax advice.
• Legal advice.
• Accounting advice.
• Estate-planning advice.
• A recommendation to purchase or maintain a particular insurance product.
• A guarantee of any financial outcome.

Your individual circumstances may differ from the examples, explanations, or concepts discussed on the Website.

You should consult appropriately qualified professionals regarding financial, tax, legal, or other professional questions relevant to your circumstances.

Roddy Life Planning Group does not represent that the Website provides the same services as a certified financial planner or other professional advisor unless specifically stated and appropriately authorized.

Insurance Products Are Subject to Specific Policy Terms

Information about life insurance, Indexed Universal Life (“IUL”), living benefits, disability insurance, and related products is provided for general educational purposes.

Actual policy features and availability depend on factors including:

• The insurance carrier.
• Policy terms and provisions.
• State availability.
• Individual circumstances.
• Underwriting.
• Policy design.
• Funding.
• Applicable fees and charges.
• Current laws and regulations.

Information presented on this Website should not be interpreted as a representation that a particular policy, feature, benefit, premium, or coverage amount will be available to you.

IUL Is an Insurance Product, Not a Bank Product

Indexed Universal Life is a form of permanent life insurance.

An IUL policy is not a bank deposit or bank product and is not FDIC insured.

IUL policies may involve:

• Premiums and funding requirements.
• Policy charges and fees.
• Cost of insurance.
• Cash-value accumulation.
• Interest-crediting methods.
• Index-crediting provisions.
• Policy loans or withdrawals.
• Death-benefit provisions.
• Underwriting requirements.

The availability and operation of these features depend on the specific policy and carrier.

Policy performance and available values may vary and should be evaluated using the applicable policy documentation.

No Financial or Policy Outcome Is Guaranteed

Nothing on this Website guarantees:

• A specific rate of return.
• A specific level of cash-value growth.
• A specific income amount.
• A specific savings amount.
• A particular tax result.
• A particular policy performance outcome.
• Insurance approval.
• Eligibility for coverage.
• A particular premium.
• A particular benefit amount.
• A particular financial outcome.

Illustrations, examples, educational explanations, or hypothetical scenarios should not be interpreted as guarantees of future results.

Actual results depend on policy terms, funding, charges, carrier provisions, market or index-crediting conditions where applicable, current law, and individual circumstances.

Living Benefits Require Qualifying Events and Policy Provisions

Certain life insurance policies may include living-benefit or accelerated-death-benefit provisions that may allow access to a portion of a policy's death benefit while the insured is living after a qualifying event.

Living benefits are not automatically available.

Access depends on factors including:

• The specific policy.
• The applicable rider or provision.
• The qualifying event.
• Required documentation.
• Carrier determination.
• State availability.
• Applicable policy terms.

Accessing living benefits may reduce the remaining death benefit and may affect other policy values or provisions.

Visitors should review the applicable policy documents and consult appropriately qualified professionals before making decisions.

Coverage Depends on Policy Terms and Underwriting

Disability insurance may provide income-protection benefits under qualifying circumstances, but coverage varies by policy and carrier.

Important provisions may include:

• Definition of disability.
• Benefit period.
• Elimination period.
• Exclusions.
• Benefit amount.
• Policy limitations.
• Premiums and charges.
• Underwriting requirements.
• State availability.

The Website does not guarantee that any visitor will qualify for a particular disability insurance policy or benefit.

Retirement Content Is Educational

Information relating to retirement income, Social Security, 401(k) accounts, rollovers, life insurance, and related topics is provided for general educational purposes.

Nothing on the Website should be interpreted as a recommendation to:

• Roll over a retirement account.
• Purchase an insurance product.
• Withdraw funds.
• Take a policy loan.
• Change an investment.
• Change a retirement strategy.

Tax consequences, penalties, fees, employer-plan provisions, policy charges, and other considerations can vary significantly based on individual circumstances and current law.

Appropriately qualified tax, legal, and financial professionals should be consulted when necessary.

Tax Treatment Depends on Your Circumstances

Tax treatment associated with insurance policies, retirement accounts, policy loans, withdrawals, distributions, or other financial transactions depends on applicable law and individual circumstances.

Tax laws may change.

Roddy Life Planning Group does not guarantee any particular tax result or tax savings.

Information on this Website should not be treated as tax advice or relied upon as a substitute for consultation with a qualified tax professional.

Final Eligibility Is Determined by the Carrier

Completing a qualification survey, contacting Roddy Life Planning Group, scheduling a consultation, or receiving information through the Website does not constitute insurance approval or eligibility.

Where insurance underwriting applies, the applicable insurance carrier determines eligibility based on its underwriting requirements and individual circumstances.

Factors considered by a carrier may vary by product and may include information relevant to the specific underwriting process.

No Website result, survey response, or consultation guarantees approval or eligibility.

Products and Services May Not Be Available Everywhere

Insurance products, riders, benefits, and related services may not be available in every state or jurisdiction.

Availability may depend on:

• State licensing.
• Carrier authorization.
• Product availability.
• Policy terms.
• Regulatory requirements.
• Individual circumstances.

Information presented on the Website should not be interpreted as an offer to provide a particular product or service in every location.

Scheduling a Consultation Does Not Guarantee an Outcome

Visitors who meet applicable preliminary qualification criteria may be provided with an opportunity to schedule a consultation.

A consultation is intended to provide an opportunity to discuss questions, goals, and available educational topics.

Scheduling or completing a consultation does not guarantee:

• Insurance approval.
• Eligibility.
• Coverage.
• A specific policy.
• A specific premium.
• A specific benefit.
• A particular financial result.

Any product or policy decision remains subject to applicable carrier requirements, policy terms, underwriting, and individual circumstances.

Information May Change Without Notice

We make reasonable efforts to provide useful and current information, but we do not guarantee that all Website content will always be complete, accurate, current, or applicable to every individual situation.

Information, programs, educational materials, products, services, links, features, and other Website content may be changed, updated, suspended, or discontinued without notice.

We may correct errors or omissions when identified.

External Services May Have Their Own Terms

The Website may contain links to or integrations with third-party services, websites, scheduling platforms, CRM systems, chatbot providers, or other external resources.

These third parties may operate under their own:

• Terms of use.
• Privacy policies.
• Data practices.
• Service conditions.
• Security practices.

Roddy Life Planning Group does not control the terms or policies of independent third-party services.

Visitors should review the applicable terms and policies before submitting information or using an external service.

This Website Is Not Directed to Children

This Website and its services are intended for adults and are not directed toward children.

We do not knowingly seek to collect personal information from children through the qualification survey or general Website forms.

If you believe a child has provided personal information through the Website, please contact us so that the matter can be reviewed.

Website Access May Change

We may modify, suspend, restrict, or discontinue portions of the Website or its functionality at any time.

We do not guarantee that the Website or any particular feature will always be:

• Available.
• Uninterrupted.
• Error-free.
• Secure.
• Compatible with every device or browser.

We may perform maintenance, updates, or other changes that temporarily affect Website availability.

Please Use the Website Responsibly

You agree not to use the Website in a manner that:

• Violates applicable law.
• Attempts to gain unauthorized access to Website systems.
• Interferes with Website operation.
• Introduces malicious code or harmful material.
• Attempts to obtain information through unauthorized means.
• Misuses forms, surveys, or other Website features.
• Impersonates another person or entity.
• Uses Website content for fraudulent or unlawful purposes.

We reserve the right to restrict access or take appropriate action where misuse is identified.

Website Content Belongs to Its Respective Owners

Unless otherwise stated, the text, design, graphics, logos, photographs, illustrations, branding, layout, and other materials appearing on this Website may be owned by or licensed to Roddy Life Planning Group or the applicable content owner.

Website content may not be reproduced, modified, distributed, republished, or commercially exploited without appropriate authorization, except where permitted by applicable law.

Third-party names, trademarks, logos, and product references remain the property of their respective owners.

Do Not Rely on Website Content as a Personalized Recommendation

The Website provides general information intended to support education and informed conversations.

Your circumstances may differ from those described on the Website.

Before making decisions involving insurance, retirement accounts, taxes, investments, or other financial matters, you should consider your individual circumstances and seek appropriate professional guidance.

We May Update These Terms

Roddy Life Planning Group may revise these Terms & Conditions when necessary to reflect changes to:

• Website functionality.
• Services or programs.
• Business practices.
• Third-party services.
• Applicable laws or regulations.
• Website content.

Updated Terms will be posted on this page with a revised “Last Updated” date.

Your continued use of the Website after an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.

Questions About These Terms?

If you have questions about these Terms & Conditions or the information presented on this Website, you can contact Roddy Life Planning Group directly.

Email

tdroddy.rlpg@gmail.com

Phone

(708) 401-7574

Location

Lake Wylie, South Carolina