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JASKOLAPrivate Insurance Design

Disclosures

Terms and Disclosures

Last updated: August 4, 2026. These disclosures apply to all content, examples, and communications originating from this website.

Scope of services

  • JASKOLA provides insurance information and insurance-product recommendations through appropriately licensed insurance professionals.
  • JASKOLA does not provide legal, tax, accounting, or investment advice, and is not a law firm, accounting firm, or registered investment adviser.
  • Clients should consult their own qualified professionals regarding legal, tax, accounting, estate-planning, and investment matters.
  • JASKOLA is independent of any particular carrier. Agency affiliation: [Agency affiliation to be listed]. Wade Jaskola is an independent licensed insurance professional with access to multiple carriers, and is appointed with the carriers whose products he presents.

Availability and underwriting

  • Product and rider availability varies by carrier and state.
  • Coverage is subject to underwriting and carrier approval.
  • Premiums and policy structures shown in illustrations may differ from the final issued offer.
  • No coverage exists until a policy is issued, delivered, accepted, and any required premium has been paid.

Policy values and performance

  • Non-guaranteed values depend on credited interest, policy charges, funding, withdrawals, loans, and other policy activity.
  • Indexed universal life does not directly invest in a stock-market index. Index-linked interest is credited according to the terms of the contract.
  • A 0% index floor does not mean the policy cannot lose value; policy charges and expenses may reduce account value.
  • Caps, participation rates, spreads, and current charges may change subject to contractual limits.
  • Examples and illustrations are hypothetical and are not promises or guarantees of future performance.

Access, loans, and taxation

  • Policy loans and withdrawals reduce available cash value and death benefit and may create tax consequences if the policy lapses or is surrendered.
  • Modified Endowment Contract treatment may change the taxation of distributions.
  • Tax treatment depends on individual circumstances and current law and may change.

Living benefits and riders

  • Rider definitions, eligibility, availability, costs, and benefit triggers vary by carrier and state.
  • Accelerating a benefit reduces the death benefit otherwise payable to beneficiaries and may affect eligibility for public assistance programs.

Replacement

  • Insurance replacement requires careful comparison and should not occur until new coverage is issued, accepted, and in force.
  • Replacement may involve new underwriting, new contestability and suicide provisions, surrender charges, and loss of existing policy features.

Website terms

  • Content on this website is educational and general in nature and is not a recommendation, solicitation, or offer in any jurisdiction where JASKOLA is not appropriately licensed.
  • Submitting a form does not create a client relationship or any coverage.
  • Carrier logos and proprietary product names are not used on this site unless permission and current compliance approval have been confirmed.
  • National Producer Number (NPN) 21475013. Licensed in multiple states. Availability varies by state. Contact JASKOLA to confirm availability in your state.
  • Questions about these disclosures may be directed to wade@jaskola.com or (516) 448-3771. Private consultations available by appointment.
  • Please do not submit Social Security numbers, financial account numbers, or medical records through this website. Secure channels are provided when application materials are required.

This page is maintained by JASKOLA and is editable content, not independent certification or verification. Final disclosure language should be reviewed and approved by qualified compliance counsel before publication.

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