Disclosures

Last updated: [Month Day, Year]

We believe in plain talk, and that includes the fine print. Here’s what you should know about our services and the information on this site.

Who we are

Empower Life Path is a brand name used by Vijay Yadavalli, a licensed insurance agent. Empower Life Path is not an insurance company. Insurance products are issued by the insurance companies we are appointed with, not by Empower Life Path.

[Agency affiliation, exactly as your compliance contact provides it. Example: Vijay Yadavalli is an independent agent affiliated with (agency name).]

Licensed in: [list of states] · Florida license number: [number] · [other state license numbers, if required]

We have access to multiple carriers. Products and features vary by state and carrier and may not be available everywhere.

Insurance products

  • All coverage is subject to underwriting and approval by the issuing insurance company.
  • Guarantees are based on the claims-paying ability of the issuing insurance company.
  • Life insurance policies have costs, fees, and limits. Read the policy and product documents before you buy.
  • Permanent life insurance, including indexed universal life (IUL), may build cash value over time. Policy loans and withdrawals reduce the cash value and death benefit and may have tax consequences. Policies can lapse if not funded enough.
  • An IUL is not an investment in the stock market or in any index. Index-linked interest is subject to caps, participation rates, and other limits set by the insurer. Past index performance does not predict future results.
  • Annuities are long-term products meant for retirement. They may have surrender charges and other fees. Withdrawals may be taxable, and withdrawals before age 59½ may face an extra IRS penalty.

Not tax, legal, or investment advice

We do not give tax or legal advice. Please talk with a qualified tax professional or attorney about your situation. [We do not offer securities or investment advisory services.] (Keep this sentence only if it’s true for you; ask compliance.)

Calculators and examples

The Growth Calculator and any examples on this site are simple, hypothetical illustrations for learning only. They are not tied to any product, do not reflect fees or taxes, and are not a promise of any result. Actual results will vary.

Not a deposit

Insurance and annuity products are not bank deposits. They are not FDIC insured, not guaranteed by any bank, and not insured by any federal government agency.

Business opportunity

Information about joining our team describes a business opportunity, not a job offer or salary. Earnings depend on each person’s own effort, skill, licensing, and many other factors, and are not guaranteed. Insurance licensing and carrier appointments are required to sell insurance.

Testimonials

[If you later show client comments, add the wording your compliance contact approves here. Example: Client comments reflect personal experiences and may not represent the experience of others. No compensation was provided.]

Compensation

We may earn commissions from insurance companies when a policy is placed. Our free calls, tools, and educational content cost you nothing.

Questions

Email hello@empowerlifepath.com, call or text (516) 356-7063.