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Terms and Conditions

Use of this website is governed by the following terms and conditions. These terms and conditions are subject to change without notice to you, so we recommend that you review them regularly. Please read these terms and conditions carefully, as by accessing this site you will be deemed to have agreed to them. If you do not agree with these terms and conditions, do not use this site.


By using our site, you signify your assent to the following conditions of use without limitation or qualification. Please read these conditions before using this site. Americans For Life Financial Services, LLC here in called “AFL FS LLC” may at any time revise these terms and conditions by updating this posting.

This site is for general information purposes only and is not intended to provide you with any personal financial, insurance, accounting, tax, or other professional advice. You will not rely on this site as a substitute for independent research or for professional financial advice.

The products and services described on this site are available only in jurisdictions where they may be lawfully offered for sale in United States. Nothing on this site constitutes an offer to buy or sell products or services of any third party. No endorsement or approval of any third party or their statements, opinions, information, products, or services is expressed or implied by the contents of this site. All products and services are subject to the terms and conditions of any applicable contracts and applicable laws. AFL FS LLC may only solicit the sale of financial products and services for which the principal has been licensed in the states in which the sale occurs.


Any person wishing to communicate or send information of a private or confidential nature to the AFL FS LLC is encouraged to do so through an encrypted email source. The security of e-mail communication cannot be guaranteed at this time.


While information posted on this site is believed to be reliable and accurate at the time of posting, AFL FS LLC does not guarantee, represent, or warrant that the information contained on this site is accurate, complete, reliable, verified, error free, or fit for any purpose.

In the event of a conflict between the information contained on this site and the terms contained in any products or services offered by AFL FS LLC or a third party, the terms contained in any document detailing such product or service will prevail. Nothing on this site forms a contract, or a part of any contract, other than as it relates to the use of this site or as may be expressly provided.

Access to or use of sites to which links are provided are subject to the terms and conditions of such sites. This site may contain links to other sites which sites are not maintained or controlled in any way by the Americans For Life Financial Services, LLC. Links to any such sites that are not maintained or controlled by Americans For Life Financial Services, LLC are provided for convenience only and are not to be construed as an endorsement by AFL FS LLC or any other party of the products, services, advice or opinions or any other content of such sites. You are fully responsible for any use that you make of the content contained in such sites and you are solely responsible for the consequences of any use of or reliance on such content.


Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. This website contains calculators available for educational purposes only. We do not guarantee accuracy regarding your individual circumstances. All examples are hypothetical and are for illustrative purposes.

The Alternative Investment Calculator is an illustration tool. It is for information and illustrative purposes only. Results are subject to change due to management fees and point of withdrawal elections. This calculator not intended to serve as the primary or sole basis for your investment or tax-planning decisions. This information is not an offer to sell and you should make your own independent decision with respect to the material provided herein, that you, upon consideration, will make your own independent decision with respect to any course of action in connection herewith and as to whether such course of action is appropriate or proper based on your own judgment, and that you are capable of understanding and assessing the risks involved with investing.

All materials on any web site owned, operated, licensed, or controlled by AFL FS LLC are provided "as is" and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties and fitness for a particular purpose. AFL FS LLC does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this web site or the server that makes it available are free of viruses or other harmful components. AFL FS LLC does not warrant or make any representations regarding the use or the results of the use of the materials on this web site in terms of their correctness, accuracy, reliability, or otherwise.


While AFL FS LLC uses reasonable efforts to include accurate and up-to-date information on this Web site, errors or omissions may occur. AFL FS LLC makes no warranties or representations as to the accuracy of this web site. Under no circumstances including, but not limited to, negligence by act or omission, shall AFL FS LLC nor any party involved in creating, producing, or delivering the web site be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this web site, even if Americans For Life Financial Services, LLC or any authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you.

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