Terms & Disclosures

Licensing

Mark Nenno (NPN 18168548) is a licensed insurance agent. Licensed in TX, NM, MI, OH, ME, SC, SD, and AZ (more states coming soon). Insurance products are not available in all states, and features and pricing vary by state and carrier.

Educational purposes only

Content on this website is general information, not tax, legal, or investment advice. Consult a qualified professional about your specific circumstances.

Health coverage

Health plans described on this site that are not ACA-compliant may exclude or limit pre-existing conditions, preventive care, prescription drugs, and other benefits; and may have benefit maximums. These are not marketplace plans and are not Medicare.

Final expense insurance

Final expense insurance is permanent life insurance with modest benefit amounts. Depending on the policy, benefits may be limited during an initial period (graded and guaranteed-issue policies), and premiums are based on age and health at application. Availability, benefit amounts, waiting periods, and terms vary by carrier and state.

Indexed Universal Life

Indexed Universal Life is permanent life insurance, not a security or a direct investment in an index. Index-linked interest is subject to caps, participation rates, or spreads. Fees and cost of insurance apply. Policy loans and withdrawals may reduce the death benefit and cash value, may cause the policy to lapse, and may have tax consequences. Tax treatment depends on how the policy is structured. Illustrations are not guarantees of future performance.

Fixed indexed annuities

Fixed indexed annuities are insurance contracts, not securities, bank products, or direct investments in an index, and are not FDIC insured. Index-linked interest is subject to caps, participation rates, or spreads, which limit gains. Surrender charges may apply to withdrawals, and withdrawals before age 59½ may be subject to a 10% IRS penalty. Earnings are taxed as ordinary income when withdrawn. Guarantees are based on the claims-paying ability of the issuing insurer. Illustrations are not guarantees of future performance.

No government affiliation

This website is not affiliated with or endorsed by Healthcare.gov, Medicare, the Social Security Administration, or any government agency.

Use of this site

Submitting a form does not create an insurance policy or an advisory relationship. Coverage is not in force until an application is approved by the carrier and the first premium is paid.

This is a general template. Have it reviewed by a compliance professional or attorney before launch.