The Flexmethod is a system designed to fully utilize the characteristics of insurance policies. Insurance services are offered through the Stafford Corporation (“Stafford”), doing business as “US Life”, which is a licensed insurance producer in Idaho and offers insurance products and services through its licensed insurance brokers. Certain eligibility restrictions may apply. In connection with the strategies you may discuss with your US Life advisor, Stafford may incorporate the services of affiliated service providers. The compensation earned by these entities presents a conflict of interest for Stafford because Stafford is incentivized to use or recommend that you use these affiliated service providers. The statements contained herein are aspirational in nature and for illustrative purposes only. The suitability of all US Life strategies and their potential results will depend on the facts and circumstances of the individual policyholder and future economic conditions that are impossible to know in advance.

There are risks associated with asset backed lending strategies that you should consider and discuss with your US Life representative and other financial professionals, including, but not limited to, policy performance, interest rate risk, and additional loan renewal requirements. Any guarantees and benefits of an insurance policy are subject to the claims-paying ability and financial strength of the issuing insurance company. No other guarantees by any other party should be assumed or implied. It is possible coverage will expire when either no premiums are paid following the initial premium, or subsequent premiums are insufficient to continue coverage. Distributions taken through loans and withdrawals will reduce a policy’s cash surrender value and death benefit and may affect policy coverage and performance. In addition, if the policyholder fails to repay any insurance-backed loan pursuant to its terms, the loan could default, the insurance contract could lapse, and the value of the policy could be forfeited. Certain strategies seek to provide access to potentially tax-free withdrawals because loans are generally not considered income; however, you should consult with your tax advisor regarding the specific tax implications of any strategy. Tax implications are possible if a life insurance policy is sold or surrendered. Not all US Life solutions are available in all states or jurisdictions. Please consult with your US Life professional and insurance agent for specific information related to your needs. US Life does business as USL Insurance Services for business conducted in the state of California, Insurance License #0K65443.