Disclosures

First Pillar Legacy is committed to transparency. The following disclosures provide important information about who we are, how we operate, and the nature of the products and services we offer. Please read them carefully.

Independent Insurance Brokerage

First Pillar Legacy operates as an independent insurance brokerage. We are not an insurance company. We do not underwrite, issue, or guarantee any insurance policies. Instead, we work with multiple licensed insurance carriers to help clients find coverage that fits their needs and budget.

As an independent brokerage, we are not captive to any single insurance company. This means we can shop multiple carriers on your behalf and present options from a variety of providers. However, we do not represent every insurance carrier in the market, and our recommendations are limited to the carriers with whom we have active appointments.

The final decision to issue any insurance policy rests solely with the insurance carrier. First Pillar Legacy cannot guarantee approval, specific rates, or coverage terms. All policy terms, conditions, exclusions, and benefits are determined by the issuing carrier and are detailed in the policy contract.

Licensing

First Pillar Legacy and its agents are licensed to sell life insurance and annuity products in all 50 states and the District of Columbia. Our National Producer Number (NPN) is 22147945. Individual agent licensing varies by state and product line.

You may verify our licensing status through the National Insurance Producer Registry (NIPR) at nipr.com or through your state's Department of Insurance website.

Insurance regulations, product availability, and requirements vary by state. Some products described on our website may not be available in all states or may have different features depending on your state of residence.

No-Exam and Simplified Issue Policies

Many of the insurance products we offer are available without a medical exam ("no-exam" or "simplified issue" policies). While these products provide a convenient and fast application process, please be aware of the following:

• No-exam policies may have higher premiums compared to fully underwritten policies that require a medical exam
• Coverage amounts for no-exam policies may be limited compared to fully underwritten options
• Simplified issue policies require health questions on the application. Inaccurate or incomplete answers may result in claim denial or policy rescission
• Guaranteed issue policies (no health questions) typically include a graded death benefit with a waiting period of two to three years for full coverage
• Approval is not guaranteed even for simplified issue products. The carrier may decline coverage based on your answers to health questions

Quote and Calculator Disclaimer

Any quotes, estimates, or calculations provided on our website, through our tools, or by our agents are for illustrative purposes only. They are not binding offers of insurance. Actual premiums, coverage amounts, and policy terms will be determined by the insurance carrier during the underwriting and application process.

Factors that affect your actual premium include but are not limited to: age, gender, health history, tobacco use, occupation, lifestyle, coverage amount, policy type, and state of residence. The quotes displayed on our website represent estimates based on general criteria and may not reflect your individual rate.

Any financial calculators or planning tools on our Site are provided for educational purposes and use general assumptions. They should not be used as the sole basis for financial or insurance decisions. Results from these tools are approximations and may not account for all individual factors that affect your financial situation.

Carrier Relationships and Compensation

First Pillar Legacy and its agents receive compensation from insurance carriers in the form of commissions when a policy is issued. The commission amount varies by carrier, product type, and policy. This compensation is paid by the insurance carrier, not directly by you, and is built into the policy premium.

Our compensation arrangements may vary between carriers and products. While we strive to recommend products that best fit your needs, you should be aware that these financial relationships exist. We are committed to acting in your best interest and providing honest, transparent guidance.

We may also receive additional compensation from carriers in the form of bonuses, overrides, or production incentives based on sales volume or other criteria. These arrangements do not increase your premium.

Debt Free Life (DFL) Strategy Disclaimer

The Debt Free Life (DFL) strategy described on our website involves using the cash value component of a specially designed whole life insurance policy to accelerate debt payoff. Please be aware of the following:

• The DFL strategy is not a debt consolidation program, loan modification, or credit repair service
• Results will vary based on individual circumstances including income, debt amounts, interest rates, spending habits, and discipline in following the strategy
• The DFL strategy requires the purchase of a whole life insurance policy, which involves ongoing premium payments. Failure to maintain premium payments may result in policy lapse and loss of benefits
• Policy loans accrue interest. If not managed properly, outstanding loans could reduce the death benefit or cause the policy to lapse
• The illustrations and projections used to demonstrate the DFL strategy are hypothetical and based on current dividend scales, which are not guaranteed
• Past performance of dividend-paying whole life policies is not indicative of future results
• The DFL strategy may not be suitable for everyone. Consult with a financial advisor to determine if it is appropriate for your situation

Annuity Disclosures

Annuities are long-term financial products designed for retirement purposes. They are issued by insurance companies and are not bank deposits, not FDIC insured, not insured by any federal government agency, and may lose value (in the case of variable annuities).

Withdrawals from annuities before age 59-1/2 may be subject to a 10% IRS tax penalty in addition to ordinary income tax. Surrender charges may apply during the surrender charge period if you withdraw more than the free withdrawal amount. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company.

Indexed Universal Life (IUL) Disclosures

Indexed Universal Life insurance policies are permanent life insurance products that offer the potential for cash value growth linked to the performance of a market index (such as the S&P 500). Please be aware:

• IUL policies are not investments in the stock market. You do not directly participate in market gains or losses
• Returns are subject to caps, floors, participation rates, and spreads set by the insurance carrier, which may change over time
• Illustrations showing potential cash value growth are hypothetical and not guaranteed. Actual results may be significantly different
• IUL policies require adequate funding. Underfunding may cause the policy to lapse
• Policy loans and withdrawals reduce the death benefit and cash value and may cause the policy to lapse if not managed properly
• The cost of insurance and other policy charges increase over time and can significantly affect policy performance

Third-Party Content and Links

Our website may contain links to third-party websites, resources, or content. These links are provided for your convenience only. First Pillar Legacy does not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party websites. Accessing third-party sites is at your own risk.

Contact Us

If you have any questions about these disclosures or need additional information about our products and services, please contact us:

• Email: info@firstpillarlegacy.com
• Website: firstpillarlegacy.com/contact
• NPN: 22147945