The information provided on this website is for educational and informational purposes only and is not intended as financial, insurance, investment, legal, tax, or accounting advice. All content is general in nature and may not apply to your specific circumstances.

Your use of this website and any materials, videos, tools, or resources made available through it does not create a client, advisor, agent, or fiduciary relationship with Victory Life Solutions or any of its representatives. Decisions regarding insurance, annuities, debt strategies, or financial planning should be made after a careful review of your individual situation and, when appropriate, in consultation with a licensed professional in your state, as well as your own legal and tax advisors.

Victory Life Solutions makes reasonable efforts to provide accurate and current information; however, no representation or warranty, express or implied, is made regarding the completeness, accuracy, or timeliness of any information on this website. Laws, regulations, products, and carrier guidelines may change without notice.

By using this website, you agree that Victory Life Solutions is not responsible for any errors or omissions, or for any loss, injury, or damages arising from or related to your reliance on any information presented here.

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2. No Legal, Tax, or Investment Advice Disclosure

No Legal, Tax, or Investment Advice

Victory Life Solutions and its agents do not provide legal, tax, or accounting advice. Any discussion of tax treatment or legal considerations is for general informational purposes only and is not intended to be relied upon as tax or legal advice.

You are strongly encouraged to consult with your own attorney, tax professional, Certified Public Accountant (CPA), or other qualified advisor regarding your specific situation before implementing any strategy, purchasing any product, or making any financial decision.

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3. Insurance and Annuity Product Disclosure

Insurance and Annuity Product Disclosure

Products and services described on this website may include life insurance, health insurance, disability coverage, critical illness coverage, long term care solutions, annuities, debt elimination strategies, and other financial or protection programs.

Product availability, features, benefits, and pricing may vary by state, carrier, product type, underwriting class, and individual circumstances. Not all products are available in all states or to all applicants. Coverage is subject to underwriting approval, policy terms, conditions, exclusions, and limitations set by the issuing insurance carrier.

Any references to growth, accumulation, or cash value within life insurance policies or annuities are illustrative in nature and not guaranteed unless explicitly stated by the issuing carrier. Index-linked products, such as Indexed Universal Life (IUL) or Fixed Indexed Annuities, are not direct investments in any stock market index. Interest credited is typically subject to caps, participation rates, spreads, and floors as defined in the contract.

Before purchasing any product, carefully review the policy or contract, including all disclosures, prospectuses (if applicable), and carrier-issued documents. Only those documents govern the terms of the product.

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4. Licensing and State Availability Disclosure

Licensing and State Availability

Victory Life Solutions and its agents offer products and services only in states where they are properly licensed and appointed with the relevant insurance carriers.

Victory Life Solutions is currently licensed in the following states:

[Insert list of states here, for example: Florida, Michigan, Virginia, Maryland, Iowa, Ohio, South Carolina, South Dakota, Texas, etc.]

Nothing on this website is intended to be a solicitation or offer of any product or service in any jurisdiction where such solicitation or offer would be unlawful or where Victory Life Solutions or its agents are not properly licensed.

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5. No Guarantee of Results or Future Performance

No Guarantee of Results or Future Performance

Any references to financial outcomes, debt elimination timelines, interest savings, cash value growth, retirement income, or other results are hypothetical examples only and are provided for educational illustration.

Past performance, case studies, or examples of other clients’ experiences do not guarantee or predict future results. Actual results will vary based on your individual circumstances, including income, debt level, spending patterns, health status, underwriting decisions, interest rate environments, and market conditions.

Victory Life Solutions does not guarantee that any client will achieve any specific financial outcome, debt elimination timeframe, or wealth accumulation result.

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6. Testimonials, Case Studies, and Illustrations Disclosure

Testimonials, Case Studies, and Illustrations

Any testimonials, client stories, or case studies presented on this website or in related marketing materials reflect the personal experiences of those individuals. Their results are not typical and are not a guarantee that you will experience the same outcomes.

Testimonials may have been shortened or edited for clarity while preserving the substance of the individual’s experience. No client has been paid or compensated for providing a testimonial, unless clearly disclosed.

Any illustrations, calculators, or projections used are based on assumptions that may not match your specific situation. They are intended for educational purposes and do not constitute a promise of future performance.

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7. Earnings and Business Opportunity Disclaimer

(Use this if you recruit agents or offer a business opportunity.)

Earnings and Business Opportunity Disclaimer

From time to time, Victory Life Solutions may present information about business or income opportunities for licensed and non-licensed individuals, including opportunities to become an insurance agent or financial professional.

Any mention of income levels, commissions, overrides, bonuses, or potential earnings is for illustrative purposes only. Such examples do not represent a guarantee or average result. Actual earnings depend entirely on the individual’s skills, effort, licensing status, market conditions, time invested, and compliance with company and regulatory guidelines.

No representation is made that any individual will achieve any specific level of income, and there is always a risk of earning less than expected or no income at all.

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8. External Links and Third-Party Content Disclaimer

External Links Disclaimer

This website may contain links to third-party websites, tools, calculators, or resources that are not owned or controlled by Victory Life Solutions. These links are provided as a convenience for informational purposes.

Victory Life Solutions does not endorse, approve, monitor, or control the content, policies, or practices of any third-party site and is not responsible for the accuracy, legality, or content of any external websites. Access to and use of third-party websites is at your own risk, and you should review the terms and privacy policies of those sites.

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9. Electronic Communications and Consent

Electronic Communications Consent

By using this website, completing a form, requesting information, registering for a webinar, or otherwise providing your contact information, you authorize Victory Life Solutions and its representatives to contact you via email, telephone, text message, or other electronic means using the information you provide, even if your number is listed on a Do Not Call registry, to the extent permitted by law.

You may opt out of receiving marketing communications at any time by following the unsubscribe instructions contained in emails or by contacting Victory Life Solutions directly.

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10. Privacy and Data Protection Notice

(High level. You should also have a dedicated Privacy Policy page.)

Privacy and Data Protection

Victory Life Solutions respects your privacy. Any personal information you provide through this website, such as your name, contact information, or financial details submitted on a form, is collected for the purpose of responding to your inquiries, providing requested information, and offering services that may be suitable for your needs.

Personal data is handled in accordance with applicable laws and with our internal privacy practices. A more detailed description of how information is collected, used, stored, and protected, along with your rights regarding your data, is set forth in our Privacy Policy, which should be reviewed carefully.

By using this website, you acknowledge and agree to the collection and use of your information as described in the Privacy Policy.

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11. Intellectual Property Notice

Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, videos, downloadable materials, and design elements, is the property of Victory Life Solutions or its content providers and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, transmit, or use any content for commercial purposes without the prior written consent of Victory Life Solutions, except as permitted by law for personal, noncommercial use.

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12. Terms of Use / Acceptance

Terms of Use

By accessing and using this website, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer, our Terms of Use, and our Privacy Policy. If you do not agree, you should not use this website.

Victory Life Solutions reserves the right to update or modify these terms and disclosures at any time without prior notice. Any changes are effective as of the date posted on the website.